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.

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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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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.

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Understand & Protect Your Credit Rating...