MoneySaving Poll: Do you check your credit files?

A question about : MoneySaving Poll: Do you check your credit files?

Poll started 17 June 2014

Do you check your credit files?

In the last five years, credit checking has become far more important. It decides whether you get mortgages, contract mobiles, credit cards, even whether you can pay for energy the cheapest way.

One small error on your files, which are held at Callcredit, Equifax and Experian, can cause havoc.

So how often do you check? Which is the nearest to your situation?

Vote in this week's poll

Did you vote? Are you surprised at the results so far? Have your say below. To see the results from last time, click this.

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Best answers:

• I have never checked, I have no reason to check and I would not even know how to check.
• All three, every year
• Noddle report, free, monthly.
• Noddle monthly, but the poll doesn't cover that option.
• Needs the option - ' when there's a problem'
  I think a lot of people will only check when they have been turned down for a product they expected to get.
• Yes, Noodle here too, every month I have been trying to improve my credit score and have gone from 2/5 to 4/5 so I think that's good
• Hi Tiglath,
  Noddle is part of the Callcredit group - hope that helps!
• I've gone from never having a problem with getting credit for most of my life to being in poverty and probably never being able to get credit, so there's really been no point for me. I already know I don't stand a chance of getting credit now. If I ever have a decent income again it'd be worth checking and making sure they're all accurate and I'd do that.
• Never checked.
• I used to have a monthly DD in order to check my credit file but had to cancel it when I was made redundant. It would be useful to be able to check it now to see the impact the redundancy has had, ie. being unemployed. Is there anyway this can be done?
• I think it's certainly important to check before applying for important, life changing credit such as a mortgage, and products such as credit cards too.
  I am currently in dispute with Orange/EE over a change they should have made to my mobile phone tariff but didn't; they have admitted they were in the wrong and even offered small compensation by way of recompense - so far so good. However, the other day I checked my credit files and guess what, Orange/EE have reported the account as being in arrears...
  You can never be too careful; the moral of the story is always check and get your file amended if necessary before you apply for something you're really depending on!