Is there a way of finding my credit rating?

fwehorx

Hi all!

Just a very quick question, is there a way of finding my own credit rating?

Am I right to assume that the higher the value, the worse it is, and what the values range from?

Thanks! ;D

roadrash

Hi,
Having been a memeber of this website for a litle while and being interested in my 'credit rating' myself..I hope I can be of assistance.

First off, a 'credit rating' as such, does not exist.
https://www.experian.co.uk are doing what is called a National Score now, which is very American, but you have to pay about £50 I believe, to find this out...

The reason I say that there is not really a 'credit rating' as such, is because creditors use all different sorts of systems when they look at your credit worthiness.
For example, if you put on an application you are a Home Owner, this scores you about 2 points..and they very rarely check!

So hope this helps...

;D

Woby_Tide

For example, if you put on an application you are a Home Owner, this scores you about 2 points..and they very rarely check!

but if they do check and find out it isn't true, it'll knock a few more than 2 points off your score

DiggingOut

Yes, but those convicted of fraud are usually provided rent-free accommodations. :P

nh

Click here and go to Galstonian's long post for a really good round-up of what gives you a good credit score

http://forum.moneysavingexpert.com/cgi-bin/yabb/YaBB.cgi?board=Questions;action=display;num=1088129098

fwehorx

Thanks all for giving me this advice! ::)

COS

Hi,
Having been a memeber of this website for a litle while and being interested in my 'credit rating' myself..I hope I can be of assistance.

First off, a 'credit rating' as such, does not exist.
https://www.experian.co.uk are doing what is called a National Score now, which is very American, but you have to pay about £50 I believe, to find this out...

The reason I say that there is not really a 'credit rating' as such, is because creditors use all different sorts of systems when they look at your credit worthiness.
For example, if you put on an application you are a Home Owner, this scores you about 2 points..and they very rarely check!

So hope this helps...

;D

As an annual paid up member of Experien I found you can get your credit score based on the information they hold for £4.99. Experien is one of the big boys which supply info to your creditors so indirectly influencing the decision.