How do you improve yor credit rating?

krazyk

You might also want to look at Experian (and maybe CallCredit). There facilities are not as good as Equifax but could probably hold different information on your credit history as different companies use differenct credit reference companies (yeah very annoying).

K

Ares_2

Thanks, but can not get the link to work..

Ares_2

krazyk ,I will try your link instead, thanks

krazyk

https://www.equifax.co.uk and https://www.experian.co.uk (plus callcredit.co.uk).

All links should work.

K

joepublic_2

I have just payed for a report from each of the three companies but none of them gave me a "score". How do you get that?

BrightonLad

try signing up to www.zopa.com , which gives you a free experian credit score.

newfoundglory

joepublic wrote:

I have just payed for a report from each of the three companies but none of them gave me a "score". How do you get that?

You have to pay money for it usually - which is a lot of money for what it is! No one in the UK has a standard credit score, as all the banks have their own methods and credit scoring criteria; so in my opinion the "get your credit score" offered by equifax and experian is quite useless. Its not going to tell you if you are going to qualify for any given financial product, because chances are no bank or BS uses their exact scoring method (I don't think even Equifax and Experian use the same method as each other!!).

You can quite easily make your own judgement on how good your credit is based on the information on your own paper credit file.

krazyk

Equifax has 2 reports, you credit report and credit rating. The rating will give you a score and details of what it all means. If you do it online, one is £8something and the other is £11something.

K