What is credit monitoring?

Ever been taken by surprise and turned down for credit? Have you read about the growth of identity fraud and do you worry about becoming a potential victim?

With the new CreditExpert monitoring service from Experian, the UK's largest credit reference agency, you needn't worry again. You can now keep track of your personal credit information and be informed when key information on your credit report changes.

CreditExpert is a subscriber service, which gives you more control over your credit information and also helps you protect yourself against the growing threat of ID fraud. It provides you with unlimited online access to your personal credit report and alerts you when activity has taken place on your credit report.

Weekly alerts are sent to personal email addresses or via SMS text. As soon as an alert is received, you can link to www.creditexpert.co.uk, where you have unlimited access to your full and up-to-date personal credit report, to see what changes have taken place.

If the activity is not legitimate or is inaccurate, e.g. someone has applied for a loan in your name or the lender has provided incorrect information to the credit reference agency, there are tools and resources available to help you take appropriate actions to stop further problems. If the activity is legitimate, you have the peace of mind of knowing that your valuable personal credit data is sound.

CreditExpert is the first and only service in the UK to provide you with unlimited online access to your full credit history, which is even more than a lender would see. With CreditExpert, reports will include information such as loans, loan terms and repayment history, plus the source of that information. In addition, you will be able to see the public information that forms part of your credit report.

CreditExpert offers a 30-day free trial of its new credit monitoring service, which also includes a free personal credit report. In addition, the service comes with a 90-day money back guarantee, an online quarterly newsletter with topical articles and features on personal finance issues, access to useful tools and calculators to help you with personal finance decisions and numerous online resources to address potential credit queries.

Get a free 30-day trial and a free copy of your Experian credit report.