Have you ever been turned down for credit? Have you read about the growth of identity fraud and worry about becoming a victim?

With the new CreditExpert Monitoring Service from Experian, the UK's largest credit reference agency, you need not worry again. You can now keep track of your personal credit information and be informed when key information on your credit report changes.

The contents of your personal credit report can have a bearing on whether or not you are given credit. In addition to providing the basis for a lending decision, your credit rating may also affect the interest rate you are offered by lenders, which could lead to more costly borrowing.

It is possible to view the information contained in your credit report to make sure it is accurate. You can apply to have any errors corrected.

CreditExpert is a subscriber service, which gives you more control over your credit information and also helps you to protect yourself against ID fraud. It provides you with unlimited online access to your personal credit report and alerts you when activity has taken place on your credit report.

Weekly alerts are sent to personal e-mail addresses or via text alerts to your mobile phone. As soon as an alert is received, you can link to creditexpert.co.uk , where you have unlimited access to your full and up-to-date personal credit report, to see what changes have taken place.

If the activity is not legitimate or is inaccurate, (for example, if someone has applied for a loan in your name or the lender has provided incorrect information to the credit reference agency), there are tools and resources available to help you take appropriate actions to stop further problems. If the activity is legitimate, you have the peace of mind of knowing that your valuable personal credit data is sound.

CreditExpert is the only service in the UK to provide unlimited online access to your full credit history, which is even more than a lender would see. With CreditExpert, reports will include information such as loans, loan terms and repayment history, plus the source of that information. In addition, you will be able to see the public information that forms part of your credit report.

CreditExpert offers consumers a 30-day free trial of its new credit monitoring service, which also includes a free personal credit report. In addition, the service comes with a 90-day money back guarantee, an online quarterly newsletter with topical articles and features on personal finance issues, access to useful tools and calculators to help you with personal finance decisions and numerous online resources to address potential credit queries.

Request a free 30-day trial and a copy of your Experian credit report

Advice offered here is of a general nature and is intended for guidance only. It is offered without any legal responsibility. You should always consult your own independent professional adviser - such as an accountant, solicitor or money adviser (at your local citizens advice bureau, for example) - about your specific situation.