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About Our Site

By: John Rowlinson - Updated: 29 Nov 2010 | comments*Discuss
 
About Our Site

PersonalCreditRating was formed to offer a unique reference point on protecting and improving your credit rating.

Shakespeare memorably wrote "Never a borrower or a lender be". Yet if he lived in modern times, chances are he would have thought differently. Today, credit is an unavoidable part of life for all of us.

Credit helps us achieve our financial goals - such as buying a home or car - within a timescale that suits us. However, too much credit can be a bad thing. Consumer debt has reached startling levels - it is estimated that the UK population has personal debt levels of a trillion pounds (including credit card, personal loans and mortgages). After decades of credit being readily available to all, more and more people are finding it difficult to obtain lending, as banks and other financial institutions change their lending practices and rely more closely on credit ratings to differentiate between their customers.

We believe this is the definitive internet-based guide to personal credit ratings, with over 40 articles covering a wide variety of related topics. If you have been refused credit, looking to improve your credit rating, or simply interested in reducing your debt levels, this website will be of interest to you.

Our concern was that there was no single UK resource for interesting features and practical advice on this subject.

Our features and articles are written by experts - who have experience, or a particular interest in this area.

Our Background

PersonalCreditRating was founded by John Rowlinson, the founder of PtS.

John, through PtS, is involved in a number of ventures including software and property companies. A percentage of revenue from these activities goes towards funding PersonalCreditRating and a number of similar sites.

Our focus is simply on having experts create the highest quality information possible that is widely read.

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You should seek independent professional advice before acting upon any information on the PersonalCreditRating website. Please read our Disclaimer.