Link To Us

By: John Rowlinson - Updated: 2 Oct 2025 | *Discuss

 

Shakespeare memorably wrote "Never a borrower or a lender be". Yet if he lived in modern times, chances are he would have thought differently. Today, credit is an unavoidable part of life for all of us.

Credit helps us achieve our financial goals - such as buying a home or car - within a timescale that suits us. However, too much credit can be a bad thing. Consumer debt has reached startling levels - it is estimated that the UK population has personal debt levels of a trillion pounds (including credit card, personal loans and mortgages). After decades of credit being readily available to all, more and more people are finding it difficult to obtain lending, as banks and other financial institutions change their lending practices and rely more closely on credit ratings to differentiate between their customers.

We believe this is the definitive internet-based guide to personal credit ratings, with over 40 articles covering a wide variety of related topics. If you have been refused credit, looking to improve your credit rating, or simply interested in reducing your debt levels, this website will be of interest to you.

We really want to help spread the word and if you can help by linking to PersonalCreditRating, we truly appreciate it.

For a short text-based link you can simply copy and paste the following code into your page:

This will appear on your page as:

PersonalCreditRating.co.uk - protecting and improving your credit rating

Alternatively, you can use a slightly longer descriptive link:

This will appear on your page as:

PersonalCreditRating.co.uk:

Shakespeare memorably wrote "Never a borrower or a lender be". Yet if he lived in modern times, chances are he would have thought differently. Today, credit is an unavoidable part of life for all of us.

Credit helps us achieve our financial goals - such as buying a home or car - within a timescale that suits us. However, too much credit can be a bad thing. Consumer debt has reached startling levels - it is estimated that the UK population has personal debt levels of a trillion pounds (including credit card, personal loans and mortgages). After decades of credit being readily available to all, more and more people are finding it difficult to obtain lending, as banks and other financial institutions change their lending practices and rely more closely on credit ratings to differentiate between their customers.

We believe this is the definitive internet-based guide to personal credit ratings, with over 40 articles covering a wide variety of related topics. If you have been refused credit, looking to improve your credit rating, or simply interested in reducing your debt levels, this website will be of interest to you.

Thanks for your support in helping us spread the word.