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An essential part of building a strong credit score, is to make sure that the records the credit report agencies each have are up to date and error free!

If you only sign up to one it really has to be Experian Credit Expert, Free Credit Report Online Service, as it is the No 1 in the UK, but we strongly recommend signing up to Experian and Equifax at the beginning. Although both will cost a few quid for a few months access, this cost is absolutely tiny when you consider the cost of not cleaning up your credit history. It is costing you money and you need to get to grips with it!

How Do UK Free Credit Reports Work Online?

The way the three credit report agencies start you off is with a free month-long period where you gain access to your whole credit report, online. During this time you get access to all of the functionality of the reports, and all of the information. They take your credit or debit card details, but they wont bill you until the first month is up.

Credit Scores are now part of the monthly cost for Experian credit reports, for Equifax you buy pay as you go for them, but your credit score is not important until you've cleaned up your credit report. You might like to know it anyway, just to have a benchmark, but it is your credit score when your report is all up to date and accurate that you should be really interested in.

Each credit reference agency provides a view as to what a high credit score is, and what isn't when you're logged in. The aim of course is to have the best credit score you possibly can. Each agency has their own scale so it is really worth reading up on these when you log in. It is also well worth saying that each report will look a little different, and your scores will definitely be different to each other. This is normal as they each do things in their own way. What is important is that everything on there is up to date and accurate in your UK, free credit report. There are some key areas to check to make sure they are right:

• Linked Addresses
• Linked Financial Relationships
• Debtor History
• Payment History

If there is anything that you are certain is incorrect, get onto the agency straight away. Some things you can have removed or corrected. For others you are only allowed to add a statement of correction, which is effectively a note that is made public to outline the situation.

Staying in Contact with The Credit Report Agencies

Agency Contact is probably the most useful tool available to you by joining. It is not something that is available to you via multi-agency products, although contact is still possible. Our 'advice' for want of a better word, is that if when you first sign up, you find that you have a pretty strong credit score and your report is in good order, then we'd recommend you use Check My File to stay on top of things ongoing. If your report is in a bit of a state, we'd suggest subscribing to both Experian and Equifax and make sure you are in regular contact with them with regard to corrections and amendments. Stay on top of them and get it all sorted.

Most important, if you are not already - get yourself on the electoral roll immediately!

Credit Geeks wants to Help!

Finally, we have heaps of content on http://www.creditgeeks.co.uk to help you set your credit history right. Get into it and really make every effort to understand how it all works, and how you can ensure you are not making silly mistakes. This is one of those unknown areas that really costs a fortune if you dont stay on top of it.

All the best!

The Credit Geeks Team