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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Experian and Equifax Explained
Experian and Equifax are two of three UK credit agencies that lenders check to assess how risky you are as a borrower.
What is a County Court Judgment?
A CCJ is a court order for unpaid debt that appears on your credit file and affects your ability to borrow money.
Secured Loans Explained
Secured loans let you borrow against your home, but defaulting means risking repossession, here's what you need to know.
Tips and Advice on Getting Your Finances Into Order
Sort your debts by priority, set up a realistic budget, and work with lenders to avoid damage to your credit score.
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Avoid Delayed Charges Damaging Your Credit Rating
Debt Company Warning for Confused Consumers
Hidden Credit Card Charges Revealed
Will Switching Current Accounts Damage My Credit Rating?
Credit Applications Q&A
Trapped by Poor Credit Rating: A Case Study
Access Your Credit Report for Just £2
Have Credit Footprints Spoiled Your Credit Rating?
Taming Your Credit Card Debt
Clean Up Your Credit Rating
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Understand & Protect Your Credit Rating...