How To Know Who checks your credit score and when?

An awful lot of people check your credit score – it's not that expensive to do and is a quick way to find out how reliable/responsible you are.

People who are known to check them include:

• Credit providers – everyone from banks to payday loan providers and mortgage lenders check your report before lending to you (or saying “no”).
• Mobile phone providers
• Landlords
• Employers
• Insurers
• Energy providers
• Broadband providers

You can check your credit score with any of the main providers for free.

Experian and Equifax give you access for 30 days free – which lets you check for errors and see what's on there.

However, make sure you DO cancel, or you could end up paying £14.95 a month for a service that you don't use.

CallCredit, through the Noddle service – offers you free access to your credit report for life .

You also have a statutory right to see your credit score, which costs £2 to get hold of and is posted to you.