Your credit file contains extensive information that can make or break you when you are attempting to finance an item, obtain a credit card or a personal loan, if you have never checked yours, now is a good time to do so. To check your credit file, you will need to individually (even if you are a married person) write to the two major credit reporting companies, Experian and Equifax, requesting your credit file. Things you will need to provide include any address you have lived at within the last six years, as well as £2.00 in the form of a postal order or a personal cheque, to each credit reporting company.

For Experian, you can reach them at the following address: P.O. Box 8000 Nottingham, NG1 5GX. You make your cheque or postal order payable to: Experian. Additionally, you also have the ability to download an application form at their website http://www.uk.experian.com/consumer/ (you must have Acrobat Reader by Adobe to view this form). You can also order your credit file online at http://www.uk.experian.com/consumer/ or by phone at 0870 241 6212.

For Equifax, you can reach them at the following address: P.O. Box 1140 Bradford, BD1 5US. You make your cheque or postal order payable to: Equifax. Additionally, you also have the ability to download an application form at their website http://www.equifax.co.uk/equifax/consumer/ (you must have Acrobat Reader by Adobe to view this form). You can also order your credit file online at http://www.equifax.co.uk/equifax/consumer/.

After you have applied to receive your credit file, you should obtain the information in around fourteen days. Your credit file will come with an extremely helpful booklet, which will explain certain key aspects to you such as, what you should do if you notice any errors within the file and what you should look for. There are many things you can do to repair your credit, first if you notice any information that is wrong and insufficient you should seek to change it immediately, contact the credit agency and request the information be corrected. This agency has twenty-eight days to respond, if you do not feel the response is satisfactory you have the right to fight it even further by writing the Office of Fair Trading.

Again, every lenders looks at your credit file with intense scrutiny. They will examine it for any defaults or County Court Judgments. It is important when applying for any type of credit that you are aware of what is contained within these files, it is only fair since they will be looking at it as well.

Jeff Lakie is an editor for the Loan Source website. We
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    Copyright 2006 Joseph Turner

    Did you know that credit difficulties can stop you dead in your tracks and keep you from being hired? Credit problems will stress you to the max, strain your personal relationships, crush your morale and possibly paralyze you from taking necessary actions in your job search. If that isn't bad enough, it can also stop you from being hired!

    Here's the reason why: Remember when you signed on the dotted line of the job application? Somewhere in fine print there was a line that gave the employer the right to run a credit check. A bad credit rating has the effect of ending your candidacy for a job with all too many companies as it is an indication of how you handle fiscal responsibilities. Rightly or wrongly, they make the assumption that this is how you might perform as a future employee by acting irresponsibly in many areas of your life, even stealing from the company. This may not seem right or fair but that is the way it is. You bad credit, no matter what the reason, even if the report is in error, can be used against you when you're applying for a job. Don't give a company an extra reason to screen you out.

    Here's a recruiter's tip that can possibly save you a lot of hassle later on and you should do it early in your job search. In fact, this is something we all should do at least once a year:

    Find out your credit rating. You should, in fact, find out what your credit rating is at least once a year.

    Under the FACT Act amendments to the Fair Credit Reporting Act you are entitled to one free credit file disclosure in a 12 month period from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

    To request your free annual disclosure you may contact the Central Source online at www.annualcreditreport.com or you can also contact them by calling toll free (877) FACTACT. (322-8228)

    The three largest consumer credit reporting companies are: CBI/Equifax www.equifax.com, Experian www.experian.com and TransUnion Credit Information www.transunion.com. You can also go directly to their websites. However, they will charge you for a credit report.

    The free annual report is available only through the www.annualcreditreport.com link and includes a report from all three companies.

    The ratings range from 450 to 850. The higher the number the better the rating. Should you find any discrepancies, report them to the firm immediately.

    If you find yourself in financial difficulties, investigate some of the resources that are now available like home equity loans, debt consolidation loans or homeowners line of credit. You may want to avoid gimmicky ads like "credit repair service" as these can soak you for hundreds of dollars and leave you worse off while doing nothing to repair your credit. Talk with someone you trust like your bank's service representative as a starting point. Remember that you have options

    While you are unemployed, you may not always be able to avoid credit difficulties, but you should never let them stop you from being hired. Ever.


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    As a recruiter, Joe Turner has spent the past 15 years finding and placing top candidates in some of the best jobs of their career. He makes it easy for anyone to find and land the job they really want all on their own in the shortest time possible. Discover more insider job search secrets by visiting http://www.jobchangesecrets.com