First time buyers: 5 credit report tips

Buying a home? Your credit report can help you out

Buying a home? Your credit report can help you out

For many first time buyers, the biggest hurdle of all is getting accepted for that first mortgage.

If you’re a first-time buyer or if you can raise no more than a 5% deposit, you can apply for the new Help To Buy scheme to help you buy a new property. Under this scheme the government will guarantee up to 15% of the mortgage. Ministers have said that it could enable 190,000 people to buy a new home, although critics have suggested it could cause a housing bubble.

Last night (27 Oct), Experian’s James Jones appeared on LBC’s Money Hour show to talk about tips for first-time buyers.

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How could ID fraud affect your credit score?

Victims of ID fraud can find that their credit score has been affected. Checking your credit report regularly could help you, as it shows credit activity in your name so you can spot potentially fraudulent activity.

Don’t become a victim of online fraud

There are a number of things that you can do to protect yourself against online fraud.  Here, real-life victim of fraud Chris tells us his story, and Hannah from Experian explains how we were able to help him. She also explains what steps all of us can take to help protect ourselves from online fraud.

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What’s your year end goal? Alan’s story

Experian are spending 100 days following the fortunes of three people with hopes of achieving their dreams this year. First we met singer-songwriter Emma Ballantine, now we’d like to introduce Alan O’Sullivan.

Alan gave up his job to pursue his lifelong dream of writing his first novel, and this is his story. I spoke to him to find out more about his 100 days challenge and what’s been the driving force behind it.

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Keep your personal information safe online

Protect your personal information online

Protect your personal information online

While most of us are getting better at protecting our personal information online, the amount of illegally traded information online is going up and up – as we discussed last night (20 Oct) on LBC’s Money Hour show.

Listen to The Money Hour show – broadcast on Monday 20 October

An independent study commissioned by Experian has found that more than 110 million pieces of data have been bought and sold by criminals so far in 2014, an increase of 40% from last year alone and 300% on the total amount traded in 2012.*

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Anyone can be a victim of fraud

Who or what is a typical victim of fraud? There’s no one answer. Check out some of Experian’s findings into the demographics of ID Fraud.


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Protect yourself against ID fraud

Monitoring your credit report is a good way to protect yourself against ID fraud, as Kay from Experian explains below.

Experian Credit Expert can help you protect your personal information online. With our victims of fraud team, web monitoring and credit monitoring features, we can help you stay safe online.

Online identity fraud: what you need to know

What is it?  Once criminals have enough of your personal details, they can apply for credit in your name and run up debts without you knowing. Your full name, date of birth, current address and national insurance number, and the passwords and PINs to your bank accounts are among the things they are hoping to get hold of.

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Are your passwords protecting you?

Keeping a close eye on our personal credit information is important

1 in 10 Brits never change their online password…

Are your passwords really protecting you? For the vast majority of account takeovers, the fraudster will need to have gained specific information about you, such as your online log in and password.

On average, Brits have 19 online accounts each, with an average of seven different passwords. However, one in 10 of us never changes their online passwords and one in 20 uses the same passwords for all of their online accounts, many of which are inactive (social networks (26%), email (18%), retail accounts (21%) yet still potentially accessible to fraudsters.*

Take a look at our tips below to make sure that your passwords are working to protect your ID.

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5 ways to stay safe shopping online

We're all looking harder for value online

Shopping? Be careful where you click

We spend much of our lives online, but it’s important that this doesn’t give us a false sense of security when we go online to shop, as so many of us now do. There are a number of simple things we can all do to help avoid becoming a victim to identity theft.

-       Be careful where you click – It’s best to use websites that you know and trust.  Always look for a security padlock icon in the top left hand corner of a page before you register financial or personal information on a website. If an online deal sounds too good to be true, it quite probably is.

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