You can check your credit report and credit score at any time; some websites and companies will allow you to do this for free.  However, a ‘hard’ check should not be done too often as a check with no credit provided straight afterwards suggests you’ve applied for finance and not received it. If you spot a mistake on your credit file, it can be rectified. Mistakes aren’t unheard of, so don’t be alarmed or worried if you see something on your record that doesn’t quite add up. Use your credit check software as directed to report any errors and apply to have them removed.
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