Protect yourself from ID fraud

Protect yourself from ID fraud

With a free Experian report you can set up alerts - an easy way to protect yourself from identity fraud.

Good: Customers with a 'good' profile normally have some or all of the following:
  • an excellent history of employment, residential status and banking
  • never 'missed' or been late with credit account or mortgage payments
  • no CCJ's or black marks against their name
Note: The above should only be used as a guide and not as a statement of lenders' underwriting rules.
Fair: Customers with a 'fair' profile normally have some or all of the following:
  • a fair history of employment, residential status and banking
  • been late with some credit/mortgage payments
  • a high level of debt and frequently applied for credit
Note: The above should only be used as a guide and not as a statement of lenders' underwriting rules.
Poor: Customers with a 'poor' profile normally have some or all of the following:
  • a poor history of employment, residential status and banking (often tenants)
  • late or missed payments with several credit/mortgage accounts
  • a high level of debt and frequently applied for credit
  • CCJs and defaults
Note: The above should only be used as a guide and not as a statement of lenders' underwriting rules.

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07-07-2011