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hi im andy webb welcome to my channel now i want to talk to you about today are credit reports and credit scores and mainly how you can check them for free so you dont pay a single penny at all but you can understand exactly whats in there what information is there making sure its correct making sure theres nothing thats wrong in there that could be impacting your opportunity your ability to get accepted for credit cards you might need a mortgage or a remortgage or a loan or even just an identity check all those things is really really really vital which i will touch on in a minute a lot of the companies do it they will charge you you can do that but theres no point because i say you can do it for free now this was actually one of the first videos i did on the channel many many years ago when really the stuff i was creating here on youtube was really just to go alongside a blog article with lots of information lots of detail pretty brief not a huge amount in there i still get a