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By Sarah Hoffman The National Crime Agency has issued a warning that if you are worried about your credit score you should do some research before making a move.

The National Credit and Banking Agency (NCBA) is warning that you might not get the credit you think you do.

“If you think that you’re secure with your credit history, you might want to take a closer look at your credit report, because it could be affected by something like a fraudulent transaction,” the agency said. 

“If you are looking at a credit report and you are concerned about your financial situation, please contact the NCBA as soon as possible.”

The agency said if you have any questions about your identity, you should ask your credit card company.

“The credit bureau will provide information and advice about how to get back into good standing, including how to manage credit scores, to help you avoid the problems you may have with your score.”

What can you do if you think your credit is being used unfairly?

“It is important to check with your card company for details about your account and to take care to limit any potential charges that you may incur.

If you are not satisfied with the way you are being charged, you may contact the credit reporting agencies,” the NCAB said.

It said people could also consider the possibility of an identity theft.

“In cases where there is evidence that your identity is being accessed unlawfully, you can ask your card provider to stop the access.

What should you do?””

However, it is important that you do not fall prey to identity theft as this can lead to serious consequences for your credit rating.”

What should you do?

“If there are any concerns about your card or account, you need to speak to a credit card provider.

You can find out about your options through your card service provider.”

Read more about identity theft here