Get your free Credit Reference Report to see what banks, credit card issuers, auto loan companies and insurers use to figure out your creditworthiness – that is, how likely you are to pay your bills on time. A good Credit Reference Report can save you thousands on interest payments and bank fees. Additionally, more and more employers check your Credit Reference File as a condition of employment.

Review your credit report frequently to find and fix credit report errors before they can negatively affect your credit score. Additionally, you should check your credit report regularly for credit cards that you never opened – an early indicator of identity theft. Every seven minutes someone's identity is stolen in the UK.

You can obtain your Credit Reference Report free from a number of online sites. Generally, the free credit report and credit file offers include a trial membership in a credit monitoring service which alerts you to unusual activity involving your credit report. Consumers who cancel the credit monitoring service prior to the expiration of the risk-free trial membership pay nothing, and get the Credit Reference Report for free.