Need a Free Credit Check
Do you need a free credit check? Use Credit Boost’s free credit checker! It’s a 100% free service that delivers your credit report in mere minutes. Have peace of mind knowing that it’s discrete, easy to use, and best of all, FREE. We only need your ID number to plug into our reference system and your contact details so we can get back to you. Gain valuable insights into your financial health.
What’s in a free credit check?
The free credit report includes detailed information about your financial health. Keep reading for a sneak peek of what you can expect to find!
Personal details summary
This section is a biography of everything credit bureaus know about you, like your ID number, sex, full name, address, phone number, and current employer. This a helpful section to reference, because you can check for personal information errors you can dispute on your credit report.
Potential fraud indicators
The potential fraud indicators part is important for detecting whether you’ve been impersonated or your identity has been stolen. It displays information verified by the Department of Home Affairs, such as whether your ID number status has been verified there, whether you’re indicated as deceased on their system, and whether your ID number is on their fraud database.
Credit score
Here is what you’ve been waiting for– your credit score! A credit score is a financial report card that tells lenders, insurers, and landlords how trustworthy and responsible you are with money. It uses your past borrowing and repayment habits to predict how likely you are to pay your bills on time in the future. The higher your score, the better your credit health and the lower the risk you seem to lenders.
As you can see, my credit score is 564, which indicates I’m a potential high risk.
Debt summary
Your debt summary sums up your default history– how much you haven’t paid. It comprises:
- How many active accounts you have
- Your accounts in good standing
- Your accounts in arrears
- How many closed accounts you have
- Total monthly instalments
- Total debt
- Total amount of write-offs and repossessions
- Total enquiries done, either by you or someone else
- Accounts opened in the last 45 days
- Defaults
- Judgments
- Court orders
- Debt review status
- Dispute status
Lastly, you’ll get a comprehensive picture of your payment behaviour and credit taken out in the last two years. You’ll also see judgments, debt review and court orders taken against you.
Do you need a free credit check? Try Credit Boost’s 100% free credit checker! Get your credit report in minutes and unlock your financial health secrets. If you need any help clearing your credit report or removing judgments, be sure to contact us. We’re glad to be of service.