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Choose from the most reliable credit reporting agencies in the UK and access your credit score and rating today.

Why Your Credit Rating Is So Valuable To You

Think of your credit report as your business card for banks and lenders. This is the single most important document to showcase your creditworthiness. Along with your credit score, a credit report will help lenders determine whether to approve your loan application.

Appearance is Everything 

Beyond lending purposes, credit reports can affect your mortgage and even your work prospects. 

Prospective employers, insurance agencies and rental property owners may take an interest in your credit report to determine how reliable you appear. A good looking credit report can have a strong positive effect on your work prospects, the rates of your insurance policies and even your housing situation.

What Do Lenders See?

Personal Information

Your personal details are not used to determine your credit score. However, making sure your personal details are correct can save you a world of trouble. Name, address, National Insurance number, date of birth and employment information are pulled from the information you supply lenders on a loan application form.

Your Account History

Your account balance, payment history, credit limit, mortgage, repayment history, property owned and real estate history will all be featured on your credit report. It is here that you can find mistakes that may be pulling your credit score down. That's why a close reading of your credit report is so important, helping you pick up potential score-reducing mistakes. If you find any such mistakes, the next step is to dispute them with the trusted help of the Resolution Services offered by numerous Reporting Agencies listed on the chart above.

Public Records

The Public Record section of your credit report includes bankruptcies, foreclosures, suits, wage attachments, liens and judgments, if they exist on your record. Debt and overdue payments will also appear in the Public Records section, so be sure to keep a close eye for potential mistakes there too. Remember that debt amounts may appear higher than what you owe, and have a negative effect on your score. Here too, you can use the help of the Resolution Services offered by many of the companies that we have listed above.

What is the Difference Between Hard & Soft Inquiries? 

A credit check by a lender or landlord is called a hard inquiry. This will show up on your credit report. A soft inquiry when a person checks their own credit score for the purpose of staying on top of their creditworthiness. Soft inquiries will not affect your credit score, while hard inquiries may well affect it.

Know Your Rights

While credit reporting agencies have a legal right to hold information about you, your consent is required to search your records. It is important to remember that in the fine print of any loan application you sign is your approval for the lender to access your records! 

CIFAS is the UK’s fraud prevention service. If you have been a victim of fraud or attempted ID theft, you will appear on the CIFAS database. While appearing on your credit report, being “on the list” will have no effect on your credit standing. You have the right to dispute items that you do not recognize on your credit report! In fact, you have the right to receive a reply about your disputed items within a limited time. Reporting agencies who do the disputing for you will most often also bring to a dispute resolution - which translates into an immediate increase in your credit score.