A Credit Check for Free

Do you need a credit check for free? Credit Boost offers free online credit checks. Simply enter your ID number and contact details, and Credit Boost will send you a full credit report complete with your score. Use your free credit report to check for fraud, areas for improvement, and whether you’re a good loan candidate for credit like vehicle finance,

What’s in a Credit Check for Free?

When you receive your credit check, you’ll open document that lists:

  • Your accounts and their balances and whether they’re in arrears (current and past credit accounts: credit cards, loans, and mortgages).
  • Payment history–whether you’ve paid on-time and in full or you’ve defaulted.
  • Credit limits: maximum borrowing amount on each account.
  • Public records: debt review, judgments, bankruptcies, and other derogatory marks.
  • Recent hard inquiries (applications for loans or credit cards).
  • Personal information (your name, address, and contact details).

You can use your list of recent inquiries, open accounts, and address changes to ascertain whether you’ve been a victim of fraud. Moreover, you might use your credit report to address a low score by paying off accounts in arrears, removing erroneous information (like a false late payment), or removing inaccurate derogatory marks (like paid-up debt review) with credit clearance.

A Credit Score for Free

Your credit report will also list your credit score. This is a 3-digit numerical representation of your creditworthiness. An algorithm from the bureau you’re using to check your score will use your credit utilisation rate (credit you used compared to your limit), payment history, credit mix diversity, hard inquiries, and other factors to generate a score lenders can use to assess whether they should lend you money.

Credit check for free online

Check your credit score online for free today with Credit Boost’s free credit check. If you would like help boosting your score, be sure to contact us. One of our friendly team members will get in touch to discuss how you can boost your credit.