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Credit Ratings

Working out how credit ratings work is no easy feat. So how can you find out more about your credit rating – and more importantly, improve it?

Working out how credit ratings work is no easy feat. So how can you find out more about your credit rating – and more importantly, improve it?

How to Improve Your Credit Rating
How to Improve Your Credit Rating

Most people know that County Court Judgements (CCJs), missed payments and bankruptcy orders can result in black marks on their credit file, but what else can cause an issue – and what can you do about it?

Checking your credit rating

There are three UK credit reference agencies: Equifax, Experian and Callcredit, although the majority of lenders use the first two. They compile your credit history using:

The credit reference agencies are not there to accept or reject your application, they just provide the information - your lender needs to make the decision..

How can I improve my credit rating score?

Here are some of the most important steps you can take to improve your credit rating:


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