Getting the right credit check matters
Understanding a credit score can be vital to your financial future, and you can get an indication of how attractive you are to lenders with a report from a credit reference agency. Remember that these agencies can offer very different products and services, though - compare your options with our help, or read our guides for more informationMatt Sanders, Gocompare.com
How can we help you with your credit report today?
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.
Look 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.
Did you know...?
- There's no such thing as a universal credit score in the UK
- A credit report can give an indication of how attractive you are to lenders but not a guarantee - different lenders rate on different factors
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.
Did you know...?
- Self-powered credit bureaus are likely to offer more reliable and up-to-date credit reports than third-party agencies
- Lenders typically look at six years of credit history
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.