How often do you check your credit report?

[Fridayschildz]

Morning,

do you check yours regularly? I check every month but dh has never checked his!!!!

Have never looked into it, wouldn't know where to start. 🤔

Never have done or had any reason to.

Monthly.

Never.

ClearScore is a quick free and easy place start.

Never

Never

I have just spent 5 years rebuilding a very poor credit score so I check mine very regularly. Now it’s to check nothing is amiss, but previously it was to obsess over how I could rebuild it, point by point 😬

everyone has a reason to check @BCCoach if only to check for fraud / incorrect info. And its free

Clearscore gets emailed every month.

I signed up to clear score years ago when buying our house.

They send me email to check my report which I do occasionally just to check nothing untoward. I have very little credit bar the mortgage and a couple of bills that register on there like my phone and our water bill.

I am always looking at mine and seeing what deals pop up!

Once I checked and my score had massively dropped and I had no idea why. I checked my report and saw that someone had opened a mobile phone account under my name and address and hadn't been paying the bills! It was a stressful time trying to get it sorted out as I was about to apply for a mortgage so glad I'd spotted it. I managed to get it removed from my credit file.

Every so often. I get the clearscore emails.

I am a member of MoneySavingExpert Credit Club which shows my Experian report monthly and then I have the clearscore app which I check regularly too.

It is really important to keep an eye on it.

Monthly - I get a reminder.

Just a quick scan to make sure nothing's gone awry.

I’ve signed up with Clearscore so get a report every month.

Get a report sent occasionally, but it's always good, never changes, so don't give it more than a glance.

Once a month. Just a quick check to make sure everything looks as it should.

Usually monthly, I get a reminder. I spent years being bad with money and avoiding responsibility, I feel quite proud of myself now for being so organised.

I've independently checked it 5 times since I turned 25 for various reasons (check for anything untoward, see how I can improve it, check I'm no longer financially linked to someone etc)
But my mortgage broker has also checked it everytime we've remortgaged and gone through it with me.

Monthly, more or less. It's gone down recently because I applied for a new 0% credit card to move debt across, that sort of thing causes a score to wobble, so I'm not worried. It'll sort itself out soon.

If you're looking at credit scores it's important to look at all 3 big ones, I can't remember their names off the top of my head, but they have different measures so it gives you a clearer picture. I was still financially connected to my ex on one of them, if I had only checked a different one I wouldn't have realised.

All the time. I'm signed up to Clear Score, Credit Karma, Totally Money and MSE Credit Club, so check all of them at least monthly.

My score has dipped a tiny amount recently as I've rescheduled my debt and also closed four unused credit cards. It'll bounce back quickly though.

Never

I don’t have a choice as I have a monthly email from excellent Experian

Every few months or so but more frequently when we're coming up to remortgaging.

I use Experian and get a monthly reminder. Both me and DH check regularly after he was a victim of fraud a few years ago.