 Welcome to Credit Ratings
Credit Ratings lets you access your own credit reference
agency file online. You can see what credit granters and lenders see if you apply for
credit, a loan, mortgage or other financing. No forms and written letters by post are
needed. You can pay online by credit card for instant access to your own credit rating.
See your own credit rating now? Click here for My Credit Rating.
Credit Ratings has staff with over two decades of
experience in the business to business credit reference sector for both consumer and
commercial credit referencing.
- Business Options
One-Off Credit Reports...
Get a report on any UK business without any long-term
subscription or commitment. Simply search for the business and click to get a report when
you need it.
For Customers Wanting Regular
Reports... If you need just half a dozen
credit rating reports over the next year, then you can reserve reports in advance using
discounted price credits. You can easily save half the price or more, and your credits can
be redeemed at any time within a year of purchase.
High Volume Users... If your company needs regular credit rating checks then please Contact Us to discuss an annual license. A single
see can give you access to our reports for 12 months.
- Credit Ratings
The service for UK consumers who want to see what's on their own credit reference
files.
Is My Credit Rating Strong? Now
you can establish the facts with instant access to your own credit report. The new service
makes this simple and straight-forward with My
Credit Rating. The report you see is the same as the credit rating report used by the
big banks and building societies. If you find errors or dispute any of the information
presented you can add your own comments for future searchers to see. The Credit Ratings
service can also monitor your credit report and alert you to changes.
| Credit
Rating Services... |
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Credit Ratings
See the information held
about you on your own credit file - see your risk status score - and correct errors
Click here
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Credit Watch
Sends you alerts if significant changes are recorded on your credit file - avoid missed
payments or fraud
Click here >> |
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Corporate Credit
Reports
If your business grants credit to its customers you can check the status of any UK
business instantly online
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Is
it possible to get higher credit ratings?
The essence of developing a good credit rating is to repay all your regular borrowings on
time. Pay bills and monthly accounts by Direct Debit, and don't overlook credit and store
card payments too. If you have hire purchase credit make sure this is paid promptly too.
Late payments are something that quickly has an adverse impact on your credit rating. Do
make sure that you are listed on the Voters Roll at your present residential address. If
possible, try not to move address too frequently as lenders prefer to see some stability
in this respect. If you know you can afford to repay credit, then you may consider opening
accounts for modest amounts of credit that are within your means, and pay the amounts off
promptly. This will show future lenders that you have had credit and were able to repay
it. Always keep the amount of credit you borrow well under control, as if you allow your
credit to get too high then this will also negatively impact on your credit rating.
What information appears in a
report?
A consumer credit rating report confirms your name and address, and whether or not you are
recorded on the Voters Roll. Any previous addresses that have been recorded for you will
also appear. Your credit record and payment history for certain credit facilities will be
revealed and any detrimental credit information recorded about you. If you get a credit
report on a business it will normally confirm general facts about the business and how
long it has been trading, and its credit status. If the business is a limited company the
latest filed accounts are usually summarised and assessed and details of directors and
shareholders are shown. Any holding company or controlling parent company is also
identified. Mortgages, charges and debentures can be shown. Companies House notices such
as Striking Off Notices, and details of Winding Up or Liquidation or Receivership are
displayed. Corporate credit reports also include a credit status assessment and credit
ratings based on the latest information available. |
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