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Prefer to talk to a
Professional debt advisor

Talk through your problems with a
qualified, FCA regulated experts and
find the best solution for you

Compare The Top 5 Credit Report Companies

See our impartial guide to choosing the right deal

1

Experian

Price

£14.99 per month

Services

Unlimited access to your Experian Credit Report, Improve your credit score, Protect your online identity from fraud

Offers

30 Day free trial

CreditExpert is provided by Experian Ltd (Registered number 653331). Experian Ltd is authorised and regulated by the Financial Conduct Authority (firm reference number 009743)

*A monthly fee of £14.99 applies after your free trial. You may cancel during your 30-day free trial without charge. New customers only. Free trial period starts on registration - further ID verification may be required to access full service which may take up to 5 days.

2

Price

Free

Services

Your credit report & score

Offers

Free service

Noddle is a trading name of Callcredit Consumer Limited, registered in England and Wales with company number 7891157.

More than 2 million people are active users of our service, and enjoy free access to their credit reports and scores whenever they like. We don’t collect or share any other personal details with third parties without your permission.

3

Check My File

Price

£14.99 per month

Services

8 Credit Scores, Not 1, Personalise Your Report, Judgment Removal Forecast, Track Your Use Of Credit, Court Judgment History

Offers

30 Day free trial

Credit Reporting Agency Ltd 2000 to 2017. All Rights Reserved. Authorised and regulated by the Financial Conduct Authority (690175)

Since March 2000, we have consistently led the way in providing UK consumers with online access to their credit reports and other personal information.

4

Price

£14.95 per month

Services

Easy to understand, no jargon, See how lenders may view your credit worthiness, Understand what can impact your ability to get credit

Offers

30 Day free trial

Equifax Limited is registered in England with Registered No. 2425920. Registered Office: Capital House, 25 Chapel Street, London NW1 5DS. Equifax Limited is authorised and regulated by the Financial Conduct Authority.

Gain a better understanding of your credit score so that you can work towards the healthiest possible position for you.

5

Credit Compass

Price

£14.95

Services

Unlimited access to your credit report, score and rating, Daily updates, Identity theft alerts

Offers

30 Day free trial

Credit Compass is a trading name of Callcredit Consumer Limited, registered in England and Wales with company number 7891157. Registered office: One Park Lane, Leeds, West Yorkshire, LS3 1EP. Callcredit Consumer Limited is authorised and regulated by the Financial Conduct Authority under registration number 649858.

Your Credit Compass credit report provides you with all the information you need to manage your credit profile and make the right decisions for your financial future.

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What Is A Credit Report (or Score)?

A Credit Report is an analysis about your financial behaviour history. It is what lenders will use to help them decide whether to approve or reject your application for a loan, credit card or mortgage, amongst others. This analysis is summarised by a Credit Score (or Rating), a numerical value. The higher your score is, the lower is your level of risk to the lender, who will also use that to determine the interest rate you pay.

How Do I Check My Credit Rating?

Currently there are 3 credit agencies in the UK: Experian (Credit Expert), Equifax and CallCredit (Noddle). They will probably have slightly different versions of your credit report, so it is advisable to check with all three, and not only a single agency.

Under what is known as the Consumer Credit Act, you are entitled to obtain your full credit report from these credit agencies at a cost of £2, which you can do so online or by post.

You should check your Credit Reports regularly, as this is a great way to protect yourself from ID fraud, so make sure to check them at least once a year.

What Information Is Included?

The information in your credit report about your financial history comes from banks, credit card companies and building societies you have borrowed money from in the past or currently owe to. There will also be information from publicly available sources, from your mobile phone provider and others. Your report is likely to have to following information:

  • Your name, current address and other personal details
  • If you are on the electoral roll at your present address
  • Joint financial products you currently hold (such as a current account)
  • How much you currently owe to lenders
  • Missed payments on past or existing accounts
  • Late payments on past or existing credit card or unsecured loans / secured loans
  • If you joined an Individual Voluntary Arrangement (IVA)
  • County Court Judgements (called “Decrees” in Scotland) filed against you, bankruptcies and home repossessions for six years after they occur
  • If you have ever moved away while owing money

How Can I Improve My Credit Score?

By being responsible with your payments and making sure you haven’t been a victim of identity fraud, you are guaranteed to improve your Credit Rating or Score. Here are a few more tips to help you achieve that:

  1. Make sure you are correctly registered at the electoral roll for your present address, as some lending companies may reject your application if they can’t confirm where you live.
  2. As mentioned before, check your credit report regularly to make sure all the information is correct and up to date. If it’s not, you should file a dispute and get it corrected.
  3. If you’ve had financial links to any person which is no longer relevant, like an ex-partner for instance, ask for their information to be removed form your records.
  4. If you’ve had credit problems in the past due to special circumstances such as family bereavement, losing your job or similar, add a notice of correction to any late payments during this period explaining your situation.
  5. Any accounts you no longer use should be closed, as accessible credit which doesn’t require further checks may impact your credit score.
  6. The way best to improve your score is to begin building a good credit history now. By showing that you can repay on time, you will show lenders how responsible you are.

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Finance.co.uk is a trading name of Paloma Digital Limited, registered in England (09562886). Our registered address is: 2911 Beetham Tower, 301 Deansgate, Manchester M3 4LT and authorised and regulated by the Financial Conduct Authority (FRN769794). We are classed as a credit broker for consumer credit, not a lender. Debt Solutions Subject to conditions and acceptance. Credit rating may be affected. Repaying debt over longer period may increase the total amount to be repaid. Fees payable if continuing services provided. Alternative free-to-consumer debt advice organisations as recommended by the Money Advice Service. *You may be required to pay a contribution towards your debts. Call charges may apply if calling from a mobile.