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.
The Facts: What Lowers Your Credit Rating
Late payments, credit inquiries and shared accounts are the main culprits that can damage your credit score fast.
Is the Banking Crisis Unfairly Damaging Your Credit Rating?
Banks are tightening credit checks after the financial crisis, making it harder to get approved for mortgages and loans even with a good credit history.
Credit Cards and Loans That Harm Your Credit Rating
Learn which credit cards and loans could damage your credit score and what to avoid when borrowing money in the UK.
Avoid Delayed Charges Damaging Your Credit Rating
Late charges can hurt your credit even when you pay on time, here's how delayed transactions slip through the cracks.
Debt Company Warning for Confused Consumers
Watch out for debt consolidation companies making false promises about cutting your debts or hiding their fees.
Hidden Credit Card Charges Revealed
Credit card companies and retailers are quietly adding hidden fees to your purchases, with travel firms charging the most.
Will Switching Current Accounts Damage My Credit Rating?
Switching your current account won't harm your credit score, despite what many people worry about.
Credit Applications Q&A
Get answers to common questions about credit applications and why lenders turn down requests for new credit.
Trapped by Poor Credit Rating: A Case Study
How a poor credit rating prevented a couple from refinancing their mortgage and escaping debt.
Access Your Credit Report for Just £2
Getting refused for credit is frustrating, but checking your credit report for £2 can show you exactly why and help you fix it.
Have Credit Footprints Spoiled Your Credit Rating?
Multiple credit applications are leaving marks on your file that could damage your chances of getting approved.
Taming Your Credit Card Debt
Stop juggling credit cards and pay off debt faster with these six practical steps to regain control.
Clean Up Your Credit Rating
Fix your credit rating by getting on the electoral register, dealing with court judgments, and borrowing responsibly.