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Credit Report

Hi, I don't have a credit or debit card. How do I find out what my credit rating is, as the websites that offer reports require you to give credit card details?

Comments

  • GeorgeUK
    GeorgeUK Posts: 7,737 Forumite
    To get a copy of your credit report, you can 'purchase' a copy for £2 and it will be mailed out to you.

    http://www.moneysavingexpert.com/loans/credit-rating-credit-score#checker

    It is not worth paying to see your credit rating though. All companies have a different way of working it out and the CRA's don't take into a count the little things like salary.
    After falling off the gambling wagon (twice): £33,600 (24,000+ 9,600) - Original CC Debt: £7,885.91

    Dad Gift 6k ¦ Savings & Inv Tst: £2,500
    Loan 10k: £0 ¦ Dad 5.5k: £2,270 ¦ LTSB: £0 ¦ RBS: £0 ¦ Virgin £0 ¦ Egg £0

    Total Owed: £2,270 (+6k) 11/08/2011
  • KingElvis
    KingElvis Posts: 4,100 Forumite
    And avoid anyone offering reports on shonky websites like creditrating4u.com...their shizzle will be out of date.

    Experian and Equifax are crooks but offer up to date info.
    "We want the finest wines available to humanity, we want them here, and we want them now!"
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