Welcome to Credit Check Company

Credit Check Company is a website providing the latest information on Companies offering free credit reports and credit check services. In these times of recession it is more crucial than ever to keep an eye on your credit report. You might not know it but companies check your profile all the time. For instance, if you take out a mobile phone contract with a network provider the company will need to credit score you before offering you their services. As the credit score process involves analysing your credit history along with reliability in repaying any loans and financial agreements, you should ensure that you maintain a clean history for when a company needs to credit check you.

What's the difference between a credit report and a credit check?

In a nutshell, a credit report is like a log of your credit history and includes data on your bank account balances, repayment information (settled, satisfied, good, excellent...). You can use this to personally evaluate where improvements in credit repayments are needed and you can see all of the information that a credit check company will look at. The all important information on whether you have a Default or CCJ will be shown here also. A credit check on the other hand is your rating. Different credit check companies evaluate your credit report in different ways but your score will always be very similar. Depending on the product or service you are buying with credit, the retailer or company you are buying from will accept different credit scores as acceptable. This is why we see plenty of adverts on TV offering loans for people with low credit check scores - some companies will accept lower credit scores for different reasons. Either they are providing a special lenient introductory check as a way of breaking into the market or perhaps they are targetting high risk customers as a way of generating higher interest rates on credit repayments. Whatever the reason, the credit check company used will provide their service fairly and efficiently between partner companies.

How can Credit Check Company help YOU the consumer?

Each day many people email us asking for advice on which credit check company to use. They've heard of the big ones - Experian - Equifax - but what else is out there? To avoid any future problems with surpise rejections for credit Credit Check Company will always recommend the larger and more well known companies for the simple reason that they are the ones which the company or retailer providing the credit will use as there credit check provider. The last thing you want is to be looking an inaccurate data, making plans for future spending with credit that you are assuming you will be eligible for, and then finding that not only do you not qualify for it but it will be difficult for you to qualify full stop.

We at Credit Check Company are available via email anytime or on the contact details above. We will be delighted to hear from you with comments on credit check companies that you have used in the past so that we can rate these credit agencies with an accumulated list of comments on them. This is the fairest way.