Free Credit Score – Check Before Travel

Travel Talk

Your Experian Credit Report Checking your credit score may be the last thing you think about before booking a holiday, but it would be vitally important.

Check your credit rating before going away, with

Many people don’t realise the benefits a free credit score search could bring them until they need to borrow money. Everyone needs a holiday to relax once in a while, but deciding whether you can afford one is a stressful business. Fortunately, better access to credit has allowed most of us the opportunity to take advantage of the deals offered by many travel specialists when they are their most reasonable, not when they reach their most expensive.

A good understanding of your creditworthiness could therefore be the difference between the holiday of a lifetime, or pottering around the house doing your usual chores. It doesn’t end there, either. Your credit history can affect everything from your mortgage to your ability to take out store cards or purchase a new car. Even if you still have access to credit, you could be being charged a punitive rate of interest on your purchases. Finding out your free credit score is therefore well worthwhile, especially when offered for free.

Experian, the longest-established and largest credit bureau in the UK, are offering you the opportunity to see how good your credit history really is. Even if you haven’t borrowed heavily in the past, a credit check may be a good idea. Many people each year have higher borrowing costs because of mistakes in their previous payment history. Why let a forgotten mobile phone bill cost you the holiday of your dreams?

Much has been said of the dangers posed by identity fraud, but it remains a sad fact that we are living in an age where it is easier to steal an identity and wrack up credit against an unsuspecting person’s record than ever before. Experts estimate the cost of identity fraud at £1.7 billion a year. Worryingly, it seems that the average amount of time it takes a person to discover identity fraud carried out in their name is more than a year.

Allowing a company like Experian to obtain your free credit score once in a while will help protect against fraud. Even if you’ve discovered and recovered financially from fraud, a credit check should give you the opportunity to see whether any past instances of identity fraud are held against you. Experian’s CreditExpert also gives you free Identity Fraud Expenses Insurance, to protect you from having to pay costs.

Experian’s allows you to protect yourself against these threats and increase your scope of opportunities. Their services give members access to information about their credit history, credit checks made against their name, and the opportunity to speak to a credit expert about any concerns you may have over your report.

By regularly checking your credit report, you will develop a better understanding of how lenders make decisions and make sure the information is correct. is a safe way of monitoring your finances. In the UK today, there are unfortunately many credit repair companies that will promise to improve your credit rating. In fact, some may make matters worse by encouraging you to break the law or offering a very high interest rate loan, causing you further difficulties.

142 people found this helpful

Share Article:

Silver Travel Advisor

Leave a comment


Sign up to our newsletter to receive the latest travel tips on top destinations.

Join the club

Become a member to receive exclusive benefits

Our community is the heart of Silver Travel Advisor, we love nothing more than sharing ideas, inspiration, hints and tips between us.

Most Recent Articles

Mark Nicholls visits Austria’s snowiest ski resort and stumbles across a chapter of pop history….

Come feel the love on a Princess cruise. You’ll enjoy the MedallionClass experience others simply can’t, and it’s exclusively for everyone. Visit incredible destinations and be involved in the best experiences around each one of them.

Experience more with Princess and connect effortlessly with the world around you, spend time away with loved ones, take a moment for yourself, and fall in love with your holiday of a lifetime, every time.

With over 20 years of experience, Wendy Wu Tours has mastered the art of creating exceptional, fully inclusive tours which showcase the very best of each destination.

Each tour is led by a world-class guide, who will highlight the very best of their homeland, and includes authentic cultural experiences so you are not just seeing the sights, but truly immersing yourself in local life.

Say hello to ease at sea. Ambassador’s purpose is simple: they want to inspire every guest to experience authentic cruising, effortlessly and sustainably. Passionate about protecting our oceans and destinations, their ships comply with the highest industry emission standards and there is no single-use plastic on board.

On your voyage, you will receive the warmest of welcomes from the Ambassador community as you sail upon the friendliest ships afloat.

This is a global co-operative co-owned by local partners using real local experts and guides, which supports local communities, environments and wildlife. It offers travellers quirky places to stay, activity holidays and learning experiences. Not In The Guidebooks gets travellers off the beaten track into local culture with day experiences and longer, immersive adventures.

From wild wellness breaks in Wales to painting in Portugal, sustainable adventures in Mauritius to food safaris in Brazil, this is immersive, exciting travel.

Seabourn’s five intimate ships carry guests to the heart of great cities, exclusive yacht harbours and secluded coves around the world, while two new purpose-built expedition ships will combine exhilarating adventures in remote destinations with the sophisticated amenities of the world’s finest resorts at sea.

From the luxury of all suite accommodations to complimentary fine wines and spirits, and a no tipping policy, Seabourn exemplifies the definition of travelling well.