Your Credit Score & Rating

What this means

More than 90% of applications for credit in the UK last year were decided with the help of a credit score. Lenders consider many factors in addition to your credit score when making credit decisions. Looking solely at your credit score, however, most lenders would consider your score of 84 as an unacceptable risk.

This means:

• You have a below average score and the number of loans and credit products likely to be available to you is low.
• Most lenders will consider offering you rates higher than their standard APR and worse terms on loan products.
• Lenders are more likely to request additional information when you apply, such as income or time at job, to help them make the decision.

It is important to understand that different lenders set their own policies and tolerance for risk when making credit decisions, so there is no single "cutoff score" used by all lenders.

How you compare

Your credit score of is based on a scale of 0-1000, bad to good. The average credit score is 750.

Many factors impact your credit score, including whether or not you are on the Electoral Roll, your credit history (how well you manage your accounts), and any record of insolvency or County Court Judgments. Click on the "Your Credit Report Data" tab on the left hand side of this page to see how you fare in each of these areas, then click on the tabs at the top to see a detailed break-down of each area.

Electoral Roll

You have been matched on the Electoral Roll

You have been matched as an occupant at your current address.

View Electoral Roll

Court Information

You have court and insolvency information recorded against you

You have court information recorded against you. Irrespective of your credit score some lenders will decline you for this reason alone.
There is also an insolvency recorded on your credit report.

View Court Information

Search Activity

You have 2 searches recorded against you

In the last 12 months, you have had a low number of searches (relating to credit applications) on your report.

You also have 1 audit footprint and 1 enquiry recorded on your report in the last 12 months. Neither audit footprints not enquiries have any effect on your credit rating or score.

Only searches relating to credit applications have an effect on your credit score and rating.

View Search Information

Payment Performance

You have more than one defaulted account on your credit report

You have 4 accounts reported on your Callcredit credit report. Of these, 4 are reported as being currently active.

You have 1 late account on your credit report.

You have 2 accounts in default on your credit report.

 

View Account Information

Fraud and Identity Theft

There are fraud warnings registered against your address

There are fraud warnings registered against your address. These indicate that a lender has reported that someone has used your address to try to gain credit fraudulently. Lenders are required to take extra steps to confirm your identity should you apply for credit. No-one should be declined credit solely on the basis of a fraud warning.

View Fraud Information

Postcode Classification

Housing Type

Residents

Financial

Other Information