Free Credit Reports

UKCreditRatings is a reporting service, who retrieves information from a UK Credit Reference Agency. Credit reference agencies give lenders a range of information about potential borrowers, which lenders use to make their decisions. The information shared may include information about your previous credit history. They hold certain information about most adults in the UK. This information is called your credit reference file or credit report.

If you are a current member of UKCreditRatings, you can contact our customer service team at 0161 250 7700.

To cancel, please call our customer services team on: 0161 250 7700, you can also cancel online by clicking on our chat button to speak with an agent, email us at info@ukcreditratings.com or write to us at: Terminations, RS Data Tech, Ltd., Piccadilly House, Suite 403, 49 Piccadilly, Manchester M1 2AP.

If you cancel your account within the trial period, your access will be suspended with immediate effect.

Credit account information shows the details of your credit agreements with lenders.

Most of the UK's major lenders have agreed to share details of their customers' credit agreements with the Credit Reference Agencies. When you apply for credit, you provide the lender with permission to check your credit profile with the Credit Reference Agencies. This helps them to decide whether you can afford to take the new credit and whether you are likely to maintain the payments on any credit agreement you take out.

Credit Reference Agencies can only change the account details they hold with the lender's permission.

Our online service UKCreditRatings is where you can obtain your Credit Score online. This service will allow you to see what your Credit Score is based solely upon the information recorded on your UKCreditRatings credit report.

First time customers of the UKCreditRatings service will be able to take advantage of a free-trial period. 

Your Credit Score is based upon your credit history as recorded. This is the information included in your Credit Report. You can use your Credit Score to see how your credit history might influence a lending decision.

A higher score suggests that you will probably find it easier to borrow money or buy goods on credit. It is only a guide to help you see how your credit report information may affect a lender's credit decision. It does not guarantee that you will be successful when applying for credit.

Several factors are taken into account when calculating your credit score. These include the total amount you owe across your accounts, the number of accounts you hold and whether or not you have missed any payments. Missing payments will impact your score as it can indicate to a lender that you may have difficulty making payments in the future.

Opening several new accounts in a short space of time can also affect your score as it may mean that you are taking out too much credit, which could lead to difficulties when you make repayments.

Being on the electoral roll can also help your credit score as being at one address for a period of time usually indicates stability to lenders.

It's likely, according to financial experts and analysts. Your credit report can include errors and inaccuracies that can hurt your credit score. As a member of UKCreditRatings, you'll have access to your credit report 24/7. We'll help you dispute errors so you can be sure your profile is as clean as possible.

A credit score is a number that reflects the likelihood of someone making repayments. A high score means they are more likely to offer you credit, however it is not an assurance that you will or won't be granted credit. Each credit reference agency has their own version of a credit score so the credit score used to assess your application will depend on which credit reference agency the lender is using. Here are some reasons your application may have been rejected:

• A poor credit rating
• Your employment history
• A limited credit history
• Bankruptcies & CCJs
• Identity theft
• Mistakes on your application

You can dispute any items on your credit report by clicking on the ! icon next to each item. You can also contact the organisation or lender involved. If they agree that the information is inaccurate, they can make the necessary amendment or ask Credit Reference Agency to update your file.

Please note that account balances are updated every 4-6 weeks. So if the balance shown on your credit report doesn't reflect the actual balance there's no need to contact the lender unless you believe the balance is more than 4-6 weeks out of date. However, in some instances it can take 12 weeks for the data to be updated, so only contact us if you think that there is an error on your report.

Did you know that some potential employers now consider your credit profile when doing a background check? Whether you want to rent or own a property, your credit score and profile will determine if you are a reliable person. This is why it's important to maintain a good credit score and know what is on your profile at all times.