What is my Credit Rating?
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A credit rating is a score given to you, based on the financial history shown on your credit report. It is a tool used by lenders to help them to decide whether an applicant is a good candidate to lend to.
Examples of when your credit report might be used include:
Some people may not even be aware that they have a credit rating, but it’s actually an important factor for your financial life. Many don’t realise that poor borrowing practices can affect a credit rating and have a potentially negative impact on their chances of obtaining credit in future. Examples of poor borrowing practices include:
Why check my Credit Rating?
Experian CreditExpert is the number 1 choice of credit reference agency in the UK for people deciding to take control of their credit health1. An Experian Credit Report and the Experian CreditExpert service can be trusted to let you know what information is held on your credit report, and to keep you informed of any significant changes. Over 5 million people have accessed their credit report with Experian CreditExpert, so why not join them?
There are many reasons to check your credit rating regularly, including:1UK's No.1 Source: CreditExpert is the UK's market leader by share of unique users. Comscore, Sept 2013