How to Find Your Credit Score for Free

Everybody, at some point in their lives will need to get a credit rating or credit score as it's often called. Although it may seem like an easy task, it really can be more difficult than you think, especially if you want a free credit report. As you read this article you'll learn how to find your credit score for free without any problems or hassles.

There are literally hundreds of websites that offer a free credit score. The problem is though that many of these offers are not actually free. There are a number of different tricks and methods that they use in order to trick you into parting with your cash.

6 Helpful Tips to Improve Your Credit Score

If you are looking to improve your credit, check out these 6 helpful tips!

1. Request your credit report - Thanks to the Fair Credit Reporting Act you are able to get one free credit report a year without any strings attached. But be careful, each additional report costs you money and can negatively affect your credit score.

Your credit score is composed by three different credit consumer bureaus, Experian, Equifax and TransUnion. It is important to know your score for several reasons. The first and most important is to monitor your credit for fraud and reporting any financial activities that you did not do. The second step is to check each report for errors and to report them to the respective bureau and have them fixed. The final reason is for personal knowledge of your score. If you are looking to improve your credit you need to know where you stand.

Micro-Firms Urged to Consider Invoice Finance to Improve Cash Flow

The latest study from YouGov raises some serious questions over the availability of credit for the UK's one million micro-firms, with one in four worried their business could fold in the next two years. Accounting for more than 90% of the UK's businesses, micro-firms - classed as a business employing less than ten people - are undeniably the engine of the economy, which makes it even more important that they are given the support that's necessary in order to secure their financial stability.

The challenges facing them are vast, but more than one in three said they found it harder to fund their business over the past 12 months, with one in five saying their bank accounts are empty. Access to credit is a lingering problem for smaller firms in particular, as demonstrated by the Bank of England confirming the UK's banks failed to meet their lending targets to small and medium-sized firms by £1.1 billion in 2011 under the Project Merlin initiative.