We use a minimal number of cookies to enhance your browsing experience - you can change your settings at any time.



  
Forgotten Password?
checkmyfile The UK's only Multi Agency Credit Report

Take a FREE 30-day no obligation trial today. Call us on 0800 612 0421 for assistance.

Calculate Your Credit Score

close

A Balanced Credit Rating

A 3 Star Credit Rating is a result of a balance of negative and positive inputs. Click on any item for more detail.

Attributes are not equally weighted, some carry much more weight than others when calculating a Credit Score.

8% Chance of Entering Arrears

The chances of entering arrears on a credit agreement can be evaluated from a Credit Score as follows.

The higher the percentage, the more risk the lender is taking. This typically results in declined application if the lender has a low risk appetite, or higher borrowing costs.

Check Whether Your Credit Report Contains Arrears

How Do Your Neighbours Affect You?

Public databases such as the Register of Court Judgments and Insolvency Records along with census and survey data are used to estimate the average financial risk in a postcode.


Google Satellite
Satellite Zoom

Credit Cards

Loans

Mortgages

The potential cost of borrowing can vary dramatically, depending on your Credit Score

 

Score

APR

Monthly†

 
Up to 450
34.9%
£87
 
450 to 639
29.9%
£75
 
640 to 719
18.9%
£47

750 ►

720 to 829
16.9%
£42
 
830 to 899
15.9%
£40
 
900 to 1000
14.9%
£37

† Based on an Average credit card balance of £3000, over the course of 12 months.

Find A Lender Matched To Your FREE Score & Rating

Credit Cards

Loans

Mortgages

The potential cost of borrowing can vary dramatically, depending on your Credit Score

 

Score

APR

Monthly†

 
Up to 450
19.9%
£124
 
450 to 639
17.9%
£112
 
640 to 719
14.9%
£93

750 ►

720 to 829
11.9%
£74
 
830 to 899
9.9%
£62
 
900 to 1000
7.9%
£49

† Based on an average loan balance of £7500, over the course of 12 months..

Find A Lender Matched To Your FREE Score & Rating

Credit Cards

Loans

Mortgages

The potential cost of borrowing can vary dramatically, depending on your Credit Score

 

Score

APR

Monthly†

 
Up to 450
9.6%
£963
 
450 to 639
6.9%
£688
 
640 to 719
6.3%
£633

750 ►

720 to 829
6.1%
£605
 
830 to 899
5.8%
£578
 
900 to 1000
5.5%
£550

† Based on monthly payments to service an interest only mortgage of £120,000.

FREE Multi Agency Credit Report

See more than twice the information
compared to any other Credit Report in the UK

Our Credit Report Monitoring service features:

Multi Agency Credit Reports

FREE Credit Score & Rating

FREE Identity Theft Assistance

Independent, Impartial, Expert Advice

Find out more about Multi Agency Credit Reports

I really like your site, it`s miles better than [competitor 1] and [competitor 2]
SH March 2014
Great service, really helped me get my new mortgage
DR April 2014
Service has been impeccable during my time here, with staff proving very helpful with any queries
JT February 2014
Great service, value for money. Quick response to queries
EW March 2014
The service I received was excellent and the site is a joy to use compared to [competitor 1] and [competitor 2’s] dull affair
MG April 2014
Staff were very helpful, well informed and courteous, and the site is easy to understand and navigate
KI April 2014
You are all very helpful and the service you provide is brilliant :)
NE April 2014
I`m loving this, finally someone who can help me and someone who I don`t feel embarrassed to discuss it with
EM February 2014
I think your service is fantastic, and I have recommended you to a number of other people
EW April 2014
Has been a brilliant service and helped me to obtain the mortgage I needed
SC March 2014
You helped me immensely by giving me the right info for removing my brother`s data off my credit report!
MP April 2014
Excellent service. Thank you for assisting in correcting errors in my credit report
KE March 2014
The service has been excellent, easy to use and very informative
PK March 2014
Your service is great value and provides more information than all the other providers
MR February 2014
I would highly recommend this service...Excellent *****
RW February 2014
No doubt you are the best as I have used other credit reference agencies in the past. ***** star on your report presentation
AK February 2014
Recommended by my financial advisor as it is comprehensive. I agree with him 100%, an easy-to-use crystal clear site
LD March 2014
This service is very good and easy to read and understand, far better than [competitor]
SF February 2014
Thank you for a fuss free service, I will definitely use again
EJ March 2014
Fantastic site, very clear and lots of helpful information!
JD February 2014
The service is great as it gives you an overview of what the 3 main credit reference agencies hold on you
MJ April 2014
Good service, has helped me to discover what is stopping me from getting a new mortgage
SM April 2013
Thank you - that really is a great help. That`s a great goal to go for. Many thanks for your advice.
SH February 2008
Thanks for that info. Never thought it might be that! I’ll get on the case. Thanks for your good service at your end.
RB January 2007
Great site. Gave me a good understanding of how scores are calculated.
PB December 2012
Thanks again for your help – only just signed up for check my file and already thoroughly impressed in the service!
RW March 2013
Great service, very clear and simple. Easy to use and find desired information
ES March 2013
I think your site is the best credit reference agency I have ever used. It is extremely easy to use.
CH January 2014
A great service, very in depth report, easy to navigate website and if I ever need to check my credit again I will use this site
EA April 2013
I very much appreciate your prompt and efficient customer service.
IS November 2007
Thank you so much for being so informative, helpful and prompt. You are a credit to your company.
CD December 2007
Thanks for the brilliant service. If only all companies and employees worked like this, I might even want to stay in the UK!
RB January 2007
Thank you very much, you have been extremely helpful in this matter.
UA June 2009
Your website is fantastic, I used a [competitor] on a yearly account, and this is so much better!
LH April 2008
This service has been very valuable to me while applying for credit, a few discrepancies where also solved.
SO January 2013
I have recommended this to my friends - the credit checker is a brilliant service
HB September 2012
Fantastic service, thank you, I have all information to hand now to control my financial position
TB April 2013
An excellent simple, easy to use site. Very helpful and have found the site extremely useful
RG December 2012
Very impressed and very easy to use, I wanted an overview of what my credit file looked like and this was very helpful
RH November 2012
Many thanks for running a great service, I have always recommended this site to friends. Keep up the good work.
JM December 2011
Thank you for a very quick response - most impressive.
SP September 2009
Just a quick note to thank you very much for the information. I continue to find your site and service a necessity in these fast moving times.
RM April 2005
Thank you for your rapid reply and thank you again for your guidance.
CM August 2009
Brilliant service, provided me with all the information I needed after having problems with other sites, thanks
SW April 2013
Great service and will use in the future when needed
AY October 2012
Thanks for your help and you have helped me through a significant time, I find your website clear to understand. Thanks again!
AK July 2012
The service was amazing and I will be back in the future
MS April 2013
I must say - this is a fantastic website compared to the usual [Competitor 1] and [Competitor 2] choices!
EM January 2014
You are a legend. Cheers for your fast, factual responses.
AP November 2007
Fantastic service and enabled me to see a problem that I was unaware of happening at an old address
PM July 2013
Free Credit Score

Free Credit Score

Average UK Credit Score

An average UK adult, with typical circumstances and some credit history would have a Credit Score as follows.

750 out of 1000

What This Means

A three star credit rating is bang on what most people in the UK have - a major target group for most credit companies and sadly those most likely to receive large amounts of junk mail.

The majority of lenders will consider a Credit Score of 750 as a reasonable risk and in the absence of other factors, are relatively likely to lend money, however, depending on the information found when the Credit Report is checked, may charge slightly higher than average APR.

Each lender uses its own scorecard, sets it own "cut-off" score and applies its own set of lending rules, and often use your credit file from any one or all of the three credit reference agencies to help calculate your credit score which is why you can be declined by one lender but accepted by another.

How a Score of 750 Compares

When compared to the rest of the UK, a Credit Score of 750 is better than 50% of UK Residents.

One of the major factors in a credit scorecard relates to your stability - it has been proved statistically that the longer you live in a property and the longer you remain in a job, the less risky a prospect you are.

When many people reach their middle age and have growing children to support through education, their finances tend to get stretched.

Top 3 Credit Cards Matched to a 3 Star Credit Rating

You have almost twice the chance of success if you apply for a Credit Card matched to your Credit Rating.

1Post Office Credit Card - 17.8% APR Representative Variable

No Annual Fee

Introductory Offer of 3m at 0%

Balance Transfer Offer of 18m at 0% (1.49% fee)

No Cashback or Rewards Offered

Recommended by 56% of customers surveyed

Representative Example

17.8% p.a. variable on card purchases. This is equivalent to 17.8% APR representative (variable) based on a credit limit of £1,200. Credit limit subject to status.

2Barclaycard 18 Month Platinum BT Credit Card - 24.9% APR Representative Variable

No Annual Fee

Introductory Offer of 3m at 0%

Balance Transfer Offer of 18m at 0% (2.9% fee)

No Cashback or Rewards Offered

Recommended by 66% of customers surveyed

Representative Example

Representative APR 24.9% APR (variable)
Purchase rate p.a. 24.9% p.a.
Assumed credit limit £1,200

3Aquis Visa Card - 29.8% APR Representative Variable

No Annual Fee

No Introductory Offer

No Balance Transfer Offer

No Cashback or Rewards Offered

Recommended by 60% of customers surveyed

Representative Example

Representative 29.8% APR (variable)
Credit is provided by Vanquis Bank Limited
Amount of credit £1000
Purchases 29.8% APR

Find A Lender Matched To Your FREE Credit Score & Rating

Accepted Payment Methods: VISA, MasterCard and Direct Debit

© Copyright Credit Reporting Agency Ltd 2000 to 2014. All Rights Reserved.

United KingdomAustraliaUnited States via TrueCredit