Personal Credit Rating: 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.

Most Read

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.

Avoiding Credit Cards and Loans that will 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.

Applying for a Credit Search: A Case Study

See how Catherine checked her credit report before applying for a mortgage and what she found along the way.

Adverse Credit or Bad Credit Explained

Bad credit means lenders see you as high-risk, affecting loans, mortgages and even phone contracts, here's what it is and how to improve it.

Browse Topics

Questionnaires & Faqs The Basics Building Your Rating Poor Credit Rating Improve Your Rating Advice Case Studies Grants Expert

Latest Articles and Tools

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 current accounts won't damage your credit rating, despite what many people worry about.

Credit Applications Q&A

Get answers to common questions about credit applications and why lenders might refuse your requests.

Trapped by Poor Credit Rating: A Case Study

How a poor credit rating stopped 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 make lenders less likely to approve you.

Taming Your Credit Card Debt

Stop juggling multiple credit cards and pay off your debt faster with these six practical steps.

Clean Up Your Credit Rating

Fix your credit rating by getting on the electoral register, dealing with court judgments, and borrowing responsibly.

About This Site

Understand & Protect Your Credit Rating...