My Credit Rating
Check your credit report with My Credit Rating online and
see the same as mortgage lenders, shop and store cards, loan companies and credit card
companies when they get a credit rating on you.
The correct way to see my credit rating report
This service lets you see your own credit rating and all the information on your credit
file. We do not advise initiating a credit enquiry on yourself through a credit reporting
agency, because doing this would inadvertently leave a record of the search on your own
files. Every time a file is searched, the enquiry is recorded. The number and timing of
enquiries can influence lenders - for example a cluster of credit searches around the time
of the credit application they are currently reviewing, could suggest the applicant has
been declined by other firms and is is shopping around for credit.
We give consumers access to their own credit file and
obtain a credit report on themselves. The service provided by My Credit Rating provides
online access to your credit files and does not leave a search record which can be
misinterpreted by other lenders.
When you see your credit rating report you will:
- See what credit records are held about you
- See the personal data which is held about
you
- See any errors and be able to revise them
 See My Credit Rating
Your credit report is obtained through Callcredit who were
formed by the Skipton Building Society to create a totally new, web-based consumer credit
information service for the UK.
Search your own credit file or check the credit rating of
any business...
| My
Credit Rating |
|
Business
Credit Ratings |
|
|
For Business Users
Get a credit rating on any customer in
seconds and check their financial status and see their recommended credit limit
Click
here >> |
|
|
|
|
Can I improve my
credit rating?
Yes, although you do not have just one universal credit rating. Every lender will set
their own credit limits based on their own internal guidelines and criteria. But you can
improve your rating with them by following a few basic principles. Firstly, it helps if
you are not too nomadic in your lifestyle - moving your place of residence regularly, or
not being traceable on the Electoral Roll may make some lenders more nervous. Lenders like
stability. Make sure that all your current store and credit agreements are settled
promptly and watch those monthly accounts - they are just the type of information that
gets passed back to credit rating agencies. The same is true for mortgage payments, and
gas, water, electricity, and telephone providers. Not all these will share their data, but
some do. If you set up Direct Debits you are less likely to miss a payment accidentally
because you are away on holiday or through an oversight. |
|
