Your FREE Credit report and Credit Rating Scores...

Equifax credit report

FREE Equifax Credit Report

Access your Equifax credit report totally free of charge through ClearScore.com

Experian Credit report

FREE Experian Credit Report

Access your Experian credit report totally free of charge through Moneysavingexpert.com

Call Credit credit reference agency

FREE Call Credit Credit Report

Access your Call Credit credit report totally free of charge through Noddle.co.uk

Your Credit Report and Credit Rating score for free

free credit reports

Your Credit rating is going to determine the outcome of credit applications you make and even possibly be used by future employers.

Having a good credit rating is going to give you the best possible rates on Credit cards and Loans.

It’s important to know what the Credit reference agencies are reporting about you, after all mistakes can and do happen.

Staying in control

By joining all three of the Credit reference agencies shown above you can access your credit report for free.

It will help you understand what your financial health is showing about you.

If you have been declined for credit in the past 12 months it could be due to information contained within your credit report.

No Monthly fees

Some services require an ongoing monthly fee to check your credit report. The services listed above will offer you totally free access to both your credit report and your credit rating score.

What your FREE Credit report includes

Just like a premium monthly subscription your FREE credit report contains information about your financial conduct over the past six years.

It will show your Credit agreements and your repayment history.

It will also include details of any Credit Searches made by companies following applications you have made.

Improving your credit rating

By checking your Credit report you can get a better picture of how things are looking, this offers you the chance to start rebuilding your credit rating.

It’s never too early or too late to start repairing any damage you may have done by missing repayments or making too many applications for credit.

It’s your Credit report – So check it for free

Credit 4 Everyone has long campaigned that everyone should have totally free access to their credit report, the three credit reporting agencies shown above will allow you to view your credit report

Free Credit reports updated every month

It doesn’t stop there. All of the credit reporting agencies shown on this page will also offer you FREE monthly updates, so go ahead, register for free and access your credit report.

How to improve your Credit rating

credit scores

So how can you go about improving your credit score?

First of all you need to make sure your Credit report is reporting true and accurate information. Mistakes do happen and this can affect your credit rating.

Mistakes on your Credit report can cost you money

If you do find anything that needs correcting, first,  contact the relevant lender and ask for an amendment.

Even small details like the way your name and address is recorded could have a significant impact.

You have every legal right to request information is Correct.

If the information you find is correct, use your free report access to keep an eye on your Credit Report.

Stay within your Credit limits

free credit report and credit score

Use your FREE CREDIT report and credit rating score each month to keep track of your financial health.

Stay within your Credit limits

It may seem obvious but exceeding your Credit limit is a big problem for your credit rating.

Always try to keep your Credit balances below the Credit limit, your Credit score will be higher if you have more available credit showing on your credit report.

Try to pay more than the minimum repayment

It may seem obvious as you will save money but only making the monthly repayment can be reported to the credit reference agencies, this could be a sign you are just about affording your monthly repayments.

Limit the number of Credit applications you make

Making too many applications for credit, especially in a short period of time can make you look desperate for cash, Try and spread out applications.

Try to tackle your debt

Try and bring down the balances on short term and long term debt, the more available credit you have available to you, the better your credit rating will be.

Opening new accounts can have a negative effect

For the first 6 months your credit score may be affected by opening new accounts, try to limit the number of new accounts you open. Having too many credit accounts can also be seen as a negative.

Missed repayments can have a long term affect

Remember that Missed or late payments will stay on your credit report for at least six years, and this can have a big impact on your rating.

Your Credit Score – Does it really matter?

Everyone wants to improve their credit score – it’s the key to unlocking access to better credit deals, mortgage rates and much more. 

Your Credit Rating is now more important than ever before.

  1. But who decides what your credit score is?
  2. And what are the factors that most affect it?

The first thing to say is that your credit score is not set in stone – it’s a living, breathing thing.

Your own credit rating changes along with your own financial behaviour – so you can take steps to improve it yourself.

Different lenders can score differently, using their own formulae based on their own factors – there really is no ‘magic number’. Usually, a higher score means you’re seen as lower risk – meaning you’re more likely to get credit, and at better rates.

Clearscore.com FREE Equifax Credit Report

We have always believed that Credit Reporting should be free, after all it's your information. Equifax have now done just that with ClearScore.com. You can enjoy your credit report and credit score each month. Join today No Credit or Debit Card Required, Free forever, Updated once a month with your Equifax Credit report and credit score.

FREE
Noddle.com FREE Call Credit Report

Noddle offer access to your Call Credit Credit Report. Updated free once a month, you can check your Credit Report and Credit Score as well as tips and advice on how to improve your Credit Rating No Credit or Debit Card Required, FREE forever (updated once per month for free) with your Call Credit Credit Report and Credit Rating Score.

FREE
Money Saving Expert - FREE Experian Credit Report

Check your Experian credit report totally free of charge. Updated monthly with your latest report, this website also shows you how you look to potential lenders with it's Credit Affordability reports.

FREE

Free Credit Reports and Credit Rating Score

Check your Experian Credit report 100% free, updated monthly with your latest report showing your Searches, Account information and a range of other useful information

Money Saving Expert - FREE Experian Credit Report

Check your Experian credit report totally free of charge. Updated monthly with your latest report, this website also shows you how you look to potential lenders with it's Credit Affordability reports.

FREE

Call Credit used to be a Small Credit Reference Agency, these days more and more Financial Services use Call Credit to report and for credit checking. See what your Credit file says about you today with a free trial.

Noddle.com FREE Call Credit Report

Noddle offer access to your Call Credit Credit Report. Updated free once a month, you can check your Credit Report and Credit Score as well as tips and advice on how to improve your Credit Rating No Credit or Debit Card Required, FREE forever (updated once per month for free) with your Call Credit Credit Report and Credit Rating Score.

FREE

Equifax offers a totally free credit report and credit score updated totally free of charge monthly through it’s new Clear Score.com website. Access your Credit report today and make sure everything is up to date.

Clearscore.com FREE Equifax Credit Report

We have always believed that Credit Reporting should be free, after all it's your information. Equifax have now done just that with ClearScore.com. You can enjoy your credit report and credit score each month. Join today No Credit or Debit Card Required, Free forever, Updated once a month with your Equifax Credit report and credit score.

FREE
Noddle.com FREE Call Credit Report

Noddle offer access to your Call Credit Credit Report. Updated free once a month, you can check your Credit Report and Credit Score as well as tips and advice on how to improve your Credit Rating No Credit or Debit Card Required, FREE forever (updated once per month for free) with your Call Credit Credit Report and Credit Rating Score.

FREE
Money Saving Expert - FREE Experian Credit Report

Check your Experian credit report totally free of charge. Updated monthly with your latest report, this website also shows you how you look to potential lenders with it's Credit Affordability reports.

FREE
Clearscore.com FREE Equifax Credit Report

We have always believed that Credit Reporting should be free, after all it's your information. Equifax have now done just that with ClearScore.com. You can enjoy your credit report and credit score each month. Join today No Credit or Debit Card Required, Free forever, Updated once a month with your Equifax Credit report and credit score.

FREE
Credit 4 Everyone