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First 4 Commercial > Credit searches > FREE instant credit searches

FREE instant credit searches would like to recommend to all of our clients and introducers the following website:

With more and more lenders in the UK using credit scoring when underwriting mortgages and loans rather than just a credit search it is now even more important to keep control of your finances and keep your credit file in order.

By using this companyB you can access your own credit report instantly and for FREE for life. This company is backed by the third largest credit reference agency CallCredit with whom we have used previously so feel confident in our recommendation. The other two credit reference agencies, Experian & Equifax offer access to your credit reports but this is at a monthly cost of up to B#15 per month in some cases. Noddle will send you a marketing email once a month with suggestions of credit products (credit cards, loans etc) that suit your credit profile and it is with these product offerings that they are able to provide the facility to customers for FREE. The other alternative to this would be a statuatory report which costs B#2.00 and you can ask any of the three credit reference agencies for this either by post or on their websites.

At you can check your credit report for FREE today. We always recommend regular checks on your own credit report to keep on top of things and to make sure there aren’t any onnerous items listed.

Many of our clients have experienced fraudlent activity on their credit files which they were completely unaware of until it came to trying to source finance, by then it is too late as the adverse credit can be extremely difficult and time consuming to remove once registered.

Mr M decided to apply for a new BT business line and as part of the process was credit searched. In the previous 12 months someone had taken out two mobile phone contracts without his knowledge in London and never made a payment so he was left with two defaults on his credit file, blemishing an otherwise perfect credit file. After reporting this to the police to obtain a crime reference number and providing this to the phone company, only then were the credit iems removed.”

This is just one example of why keeping regular checks on your credit file is essential to keep your credit file healthy! Identity theft is a growing crime in the UK and by being more vigilant about your own credit search helps to spot any minorB problems before they become a major problem.

We are always happy to help and assist clients when trying to understand their credit reports. We can offer help and advice on what to look out for and also the “do’s and dont’s” of trying to obtain credit, some things can have an adverse affect on your credit score without you even realising.

If you need any further help or advice please contact the team on 01277 620083 or email

FAST, INSTANT, FREE Credit searches.


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