One off Credit CheckOne-time credit assessment
On February 10th, I access my credit records on-line. Both Equifax and Callcredit say I'm not officially enrolled to take a poll. Equifax received an email from me and it was said that the mailing lists were royal mail-related. In Experian, I knew I was enrolled to poll at my new location, so why not Equifax or Callcredit?
Then why didn't Equifax do it? When I applied for a loan or needed a new credit line, it just wouldn't have gone through. So if Equifax and Callcredit cannot upgrade their system on a timely basis, why should I entrust them with my personally identifiable information? If they can't keep my information up to date, they shouldn't be able to have it at all.
Below are some haircuts to make sure you don't miss any payment: Choose a date of your choice, e.g. shortly after the date of your payments. Be sure to be on the voter list - it's amazing how many don't realize that this is vital for a good creditworthiness.
Attempt to use no more than 75% of your available credit line - this is good practise and will help you prevent overspending that can lead to fees. Don't request credit unless you really need it. Requesting more than 4 types of credit in one year can reduce your creditworthiness, so keep an eye on what you have requested and when.
Don't request more than one credit instrument at a stretch, as each request can have a detrimental effect on your creditworthiness.