Bad credit loans
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For credit report comparisons, we'd like to introduce our preferred provider, Experian Limited[1]
Using our service you can quickly and easily compare credit report options from all UK credit bureaus and a variety of third-party reference agencies.
Should you click through to our comparison service, a simple-to-understand best-buy table will present details of the product provider and price, and of what their service includes.
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Credit report guidesLook out for whether both a credit report and credit score are included in the check, whether you have unlimited access to the file, and if there's a freephone UK call centre to contact.
You'll also be able to see whether a provider is a self-powered agency - that is, if they're the source of the credit check data for themselves and other providers.
It's generally felt that such first handlers of data are likely to provide more up-to-date and reliable information than other providers.
When you see an option you like you can click through for more details which will highlight the pros, cons and key features of a particular product, before offering the opportunity to sign up online.
You'll get on-screen help with your choices, or you can read our guides for more in-depth information, where you'll also find the answers to frequently asked questions.
Our guides have more information on why your credit rating matters, the differences between bureaus and agencies, features to look out for on reports and how to choose the right one for you.
Find out more about areas such as whether to choose one-off reports or ongoing monitoring, how to rectify mistakes on your record, whether to protect against ID theft and the midata project.
You'll also find more information on how lenders calculate credit ratings and tips on how to improve a credit score, which include registering on the electoral roll and building a credit history.
Other things that help include having stable living and employment records, not maxing out your credit limits, avoiding too many credit applications, closing dormant accounts, making at least minimum payments and taking care with joint accounts.
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[1]Gocompare.com introduces customers to Experian Limited, which is authorised and regulated by the Financial Conduct Authority. Gocompare.com’s relationship with Experian Limited is limited to that of a business partnership, no common ownership or control rights exist between us. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites