How to get your credit rating

If you’re applying for a loan, credit card or even a mobile phone contract, lenders will look at your credit history in order to decide whether you are likely to be a reliable borrower.

A good credit rating is the key to increasing your chances of getting accepted as the higher your rating, the lower the risk for the lender.

If you’re planning to apply for credit now or in the future, it’s vital that you keep a close eye on your credit rating. No credit rating is set in stone but if you’ve got a low rating, it can’t be changed overnight.

That’s why it’s best to regularly check it so that any improvements can be made well before you apply for need to apply for credit.

How to check your credit rating

The most straightforward way to access your credit rating is through your credit report. You can do this through a credit reference agency like Callcredit. Credit reference agencies will give you an indication of what they consider your credit rating is likely to be, but these will vary between credit reference agencies, and lenders will create their own credit rating.

Credit references agencies hold the public and financial information that lenders use to make their decision, such as your credit rating.

We have much more about what credit reference agencies do on our website.

You have the right to access the information credit reference agencies hold about you. Each credit reference agency will be able to provide you with a copy of the information they hold about you. There are a variety of ways you can gain access to the information Callcredit holds about you, as follows:

£2 statutory credit report

You are entitled by law to access this instant credit report and Callcredit are allowed to charge £2 to cover admin costs.

The £2 credit report will not give you your credit rating or score. However, it is still a good way to check your credit history and the information on your credit file.

Register online and purchase your statutory credit report today.

But if you’re currently applying for credit and require a more comprehensive overview of your credit status, sign up to Noddle today. 


The free Noddle credit check is one of the easiest ways to access your credit rating.

Noddle offers the only genuinely free credit report and credit score in the UK, meaning it won’t cost you a penny – ever.

Sign up to Noddle today and you’ll get unlimited online access to your credit report, which will include a credit score and credit rating between 1 and 5.

The higher your credit rating, the better your chances of getting credit.

And to show you the factors affecting your credit rating, Noddle’s free credit report includes a breakdown of your current credit agreements and whether your payments are up to date or overdue.

It will even suggest credit cards and loans that you are likely to be accepted for based on your credit rating.