Check My Credit Rating
Seeing your own credit rating report is quite
straight-forward. You have a legal right to see what credit agencies hold about you, and
now you can do so over the web.
This service lets you:
- See what information is on your credit
report
- Comment or explain any defaults or adverse
data
- Amend any misleading or inaccurate data
 Who Gives You Your Credit Report?
Your credit report is provided by CallCredit
- a consumer credit referencing service established in 2001 by Skipton Building Society to
create a totally new, web-based consumer credit information service for the UK.
Please select the service you require below.
| My
Credit File... |
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Business
Credit Checks... |
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Corporate &
Business
Are you a business needing consumer checks or company credit checks? See our commercial
services
Click
here >> |
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Get
a Better Credit Score
Have you ever been refused credit? Before granting credit or
approving a mortgage, banks and finance lenders will check your credit report first with a
credit reference agency. The credit agency will not make the decision or apply the credit
limit - that is decided by the lender. But the lender will combine the information they
know about you and what you may have told them, with the information on the credit check
which they obtain. The credit agencies can provide credit risk guidelines in their report
in the form of a credit score, and the lenders often also apply their own credit score,
which may take some account of the credit agency score. To get a better credit score you
need to be recorded on the Electoral Roll so that lenders can see that you are officially
recorded as living somewhere, and ideally you should not be moving your address too
frequently. Keeping all your monthly accounts and bill payments prompt will help, as many
companies share their data with credit agencies. Having no CCJs (county court judgments)
and no defaults on loans is obviously important too. |
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