Home - Protecting and Improving Your Credit Rating

You've found the UK's most comprehensive guide to understanding and protecting your credit rating, featuring expert advice, real case studies, and practical tools to help you build and maintain excellent credit. Personal Credit Rating is here to help.

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Credit Score Myths

Personal debt in the UK has reached record levels, making borrowing a part of everyday life for many households. That’s why understanding your credit ratin...

Getting a Loan with Poor Credit

If you have a poor credit history, you will probably find it very hard to get a personal loan.Your credit report is made up of your financial history, dating...

Reasons for a Low or Poor Credit Rating

Your credit report is, effectively, your gateway to lower interest rates and better product deals, so it is important that you understand the causes of a poo...

What is a County Court Judgment?

There are two main credit reference agencies in the UK Experian and Equifax. These agencies hold information such as, details of unpaid bills, county court j...

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Latest Articles

Avoid Delayed Charges Damaging Your Credit Rating

Do you consider yourself as having a ‘squeaky clean’ credit rating? Never go beyond the limit on your credit card and always pay your bill on time? Well...

Debt Company Warning for Confused Consumers

British consumers are being confused and misled by debt consolidation companies, according to a recent report published by the Office of Fair Trading (OFT)....

Hidden Credit Card Charges Revealed

Using credit cards for big purchases can be convenient and safe, especially if you need a refund or if something goes wrong with your purchase. Increasingly,...

Will Switching Current Accounts Damage My Credit Rating?

UK consumers have grown increasingly accustomed to switching their allegiance in recent years. Most people will have changed their electricity and gas suppli...

Credit Applications Q&A

With credit providers becoming increasingly more selective about who they are prepared to offer credit to, more and more people are struggling to find out wh...

Trapped by Poor Credit Rating: A Case Study

In this case study we look at the problems a couple have encountered because of their poor credit rating. Elaine, 32, explains. “Around a year ago myself a...

Access Your Credit Report for Just £2

Have you ever been refused an application for credit, without understanding why? The lender’s decision to turn you down could have been prompted by a numbe...

Have Credit Footprints Spoiled Your Credit Rating?

After two decades of seemingly endless mortgages, overdrafts, personal loans and rising credit card balances, people are finding it increasingly difficult to...

Taming Your Credit Card Debt

Are you finding that your credit card debt is running out of control? Borrowing on credit cards usually seems a good idea at first, allowing you to make purc...

Clean Up Your Credit Rating

Looking to apply for credit but want to make sure your credit rating is as clean as possible? Here are some useful tips to help you repair any damage to your...

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Understand & Protect Your Credit Rating...