A credit history check provides a snapshot of your financial standing to help you make adjustments and improve your credit rating. You may think you have a clean credit report, but defaults from years ago may still appear on your record and impact your credit score.
GetCreditScore can help you obtain your credit rating and an overview of your credit report. Take advantage of our platform to monitor your credit health and understand how credit providers view you without hurting your credit score. 

You can use the information in your credit report to evaluate your eligibility for financial products and services. Moreover, our system uses encryption and identity verification methods to ensure the security of your information. 

GetCreditScore grants members access to hundreds of exclusive offers on personal loans, home loans, car loans, and credit cards. Sign up today to get a personal credit history check!

What is the purpose of credit history?

A credit report is a document that contains extensive information about your credit history. It keeps track of your credit repayment history, credit applications, outstanding debt, defaults, and other similar factors that affect your credit rating. This record is readily available to credit providers when evaluating your credit applications and verifying your identity.

Having an overview of your credit report prevents surprises when you apply for loans or credit cards. So sign up now to run a personal credit history check!

Why should you maintain a good credit history?

A credit report overview is useful in determining your eligibility for financial products and services. It also enables you to identify and correct potential errors in your record to improve your credit standing.

Your credit score is generally the first thing creditors consider in assessing your eligibility for their products and services. In addition, it is one of the factors they look into when determining the interest rate to charge you.

A good credit score qualifies you for favourable interest rates on loans to help you save money in the long run. It also improves your chances of approval for rental properties and insurance policies.

The Comprehensive Credit Reporting (CCR) system gives you more control over your credit score. This modern system lets credit providers perform an intensive credit history check using the information available in your credit report. It also stimulates market competition, leading credit providers to offer reasonable interest rates based on your credit history. 

The CCR system includes the following information in your credit report:

Credit account history 

This information lists your active credit accounts, their issuance dates, and their credit limits. It also covers details such as the credit providers holding your accounts and their respective terms and conditions.

Repayment history 

This data is essentially a record of your credit account payments over the last two years. If you have been diligent in keeping up with your credit obligations, the inclusion of this record can positively affect your credit score. You may even move up from one credit score range to another, enabling you to obtain certain financial products and services.

Have no idea how your credit score stands? We can help you find out!

GetCreditScore takes care of all the heavy lifting for you. It takes us mere minutes to get you your online credit score and credit report overview. You just have to fill out a simple form and let us handle the rest.

If you already know your credit score and want to know the details behind it, you need a credit history check. You can then use the information in your credit report overview to make adjustments and boost your credit score.

The following are simple tips to help you increase your credit rating:

Automate your repayments

The best way to show creditors your dependability is to stay on top of your repayments. You can set up direct debits for your bills online or set calendar reminders to avoid overdue charges. 

Minimise your debt-to-credit ratio

You can dramatically reduce your debt balances if you pay more than the minimum amount due. You should also work towards paying off any outstanding loans and debts.

Avoid short-term unsecured loans

If you take out multiple unsecured loans over a short period, credit providers are likely to consider the activity a sign of financial distress.

Close inactive credit card accounts

Closing credit card accounts you no longer use can boost your credit score. 

Examine your credit report

Make sure there are no errors on your file when you do a personal credit history check. If you spot a lender or a debt you do not recognise, inform the credit provider responsible for the entry immediately.

Sign up with us to check credit score and credit report overview today!

How to check credit history online?

If you have ever held a credit card or taken out a loan, you can request a copy of your credit report.

GetCreditScore gives you access to your credit score and credit report overview in just a few clicks. Our job is to serve as your Access Seeker, conducting all of the work on your behalf while you sit back and relax at home. Our registration process takes less than a minute so that you can start a personal credit history check right away. You can then use the information on your credit report overview to evaluate your eligibility for personal loans, car loans, home loans, or credit cards. Sign up now!

Disclaimer: The information contained in this article is general in nature and does not take into account your personal objectives, financial situation or needs. Therefore, you should consider whether the information is appropriate to your circumstance before acting on it, and where appropriate, seek professional advice from a finance professional such as an adviser.