Making smarter financial decisions starts by following the experts

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As credit providers battle for fresh custom this summer, the cost of borrowing is coming down and rates are falling to record lows.

So if you’re looking for credit at the moment, it’s a smart time to do so.

But before you apply for any form of personal credit, it’s important to check your credit score first, to equip yourself with the best possible chances of successfully applying for a loan or card. You will also have the chance to amend anything on your credit history that’s not accurate.

Experian, Britain’s leading credit monitoring service, has helped more than 200,000 people raise their credit score to a rating of “excellent” and offers a free trial.

It also has a good track record of helping people fight back against the cyber criminals and identity fraudsters who have made the lives of so many of us such a misery.

Once you’ve obtained your credit report, make the most of it! If you follow Experian on Twitter, you will have access to expert support and stacks of tips so that you make the smartest possible financial decisions.

Tweets are replied to between 9am and 8pm during the week, 5pm at weekends, and there are regular question and answer sessions.

No question is too trivial, and you are welcome to put anything credit-related to the experts. Being able to ask questions with such a small number of characters (remember Twitter only allows 140) can really concentrate the mind. And you’ll get a knowledgeable, helpful reply to your question promptly.

At any time, you can get your credit questions answered by the experts, some of whom are from outside Experian.

There’s also the chance to win cash prizes by taking part in Twitter events and stacks of useful information, on everything from how to boost your credit rating to what to do if an ex-partner is a financial mess and whether (and how) that will affect your own score.

There are posts, for example, on what lenders see when you apply for credit, and retweeted posts on things like the best apps to use for teaching your child about money. Other hot topics include how your credit score can have an impact on your mobile phone account, how other people can affect your credit score and a plan of action if your credit score is turned down.

But it’s not all work and no play, for example you may be prompted to consider which of life’s little luxuries you couldn’t possibly live without. Equally, there’s the chance to see the cost of a delivered pizza broken down, or to post clips of your Frisbee-catching techniques. (Not to mention hearing about where Experian is giving away free Frisbees to help you make the most of summer.)

Get your credit questions answered, and start planning for a brighter financial future today. Following Experian on Twitter could be one of the smartest financial decisions you make.

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