How Often Should I Check My Credit Report?

How Often Should I Check My Credit Report?
04/04/2017 Thomas Eyre

If you look this up on Google, you’ll find many websites telling you pretty much the same thing – if you are not looking for credit then check it at least once a year and if you are looking to take out a loan, then check it every month.


After having a quick chat with Credit Improver’s CEO, Tom, I learnt the reasoning behind why many websites suggest at least once a year if you’re not looking for credit. Unlike nowadays where there are sites such as Clear Score, Noddle and Credit Club that offer FREE credit scores and reports, back in the day you actually had to pay for it! So if you weren’t looking for credit, why would you pay for a credit report more than once a year? Now that you can get credit reports for free, you might as well check them every 3 or 4 months just to stay on top of things- after all you’ve got nothing to lose!


If you are looking to take out a loan, checking your score once a month is definitely a smart option. It usually takes about 30 days for new credit information to be reflected in your report, so by checking it every month you can keep a close eye on your credit score and track any changes. If you’re trying to improve your credit score, then checking it every month is a great way to actually see if what you’re doing is working but also a way to avoid any nasty surprises in case its not!


And just in case you were wondering if checking your credit report affects your score… it doesn’t, no matter how many times you check!

And remember…

If you’re score isn’t good enough when you need it, it’s probably too late to fix it. Improving your credit score, and therefore your credit worthiness, takes time, so if you know you’re going to need your credit score in the future (and let’s face it, you wouldn’t be reading this if you didn’t) it’s best to get started nice and early.

Credit Improver guarantees to improve your credit score with a money back guarantee.

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