UK Credit Ratings credit report
UK Credit Ratings offers a credit report subscription service designed to help you improve your credit rating. Our review gives costs, pros and cons.
|Trial period||14 days|
|Score information included||TransUnion|
|Report information included||TransUnion|
|Update frequency||Every 4-6 weeks|
|Fraud alert formats||Text, Email|
|Score alert formats||Text, Email|
|Report alert formats||Text, Email|
|Dark web monitor|
What's in this review?
- What is UK Credit Ratings?
- How does a UK Credit Ratings credit report work?
- How do I get a UK Credit Ratings credit report?
- Is UK Credit Ratings any good?
- How much does UK Credit Ratings cost?
- Does using UK Credit Ratings affect my credit score?
- How do I cancel UK Credit Ratings?
- Pros and cons
- Our verdict
- How do I improve my credit score?
What is UK Credit Ratings?
UK Credit Ratings is a British credit report provider that aims to help customers understand and improve their credit rating. It offers a paid monthly subscription service that lets you access your TransUnion credit report and credit score. It also provides practical advice on the actions you can take to boost your credit profile.
How does a UK Credit Ratings credit report work?
The credit report offered by UK Credit Ratings records the last six years of your financial and credit activity and uses this data to calculate your credit score, which is a numerical rating of your creditworthiness. This credit report and score is provided by TransUnion, one of the UK’s major credit reference agencies.
UK Credit Ratings will then also send you alerts when your credit report updates, as well as tips on how you can improve your credit score.
How do I get a UK Credit Ratings credit report?
You can apply for a UK Credit Ratings membership through the UK Credit Ratings website. You’ll need to provide certain personal information when you apply, including:
- Your name and contact details
- Your address
- Your date of birth
Is UK Credit Ratings any good?
UK Credit Ratings claims to offer practical and actionable advice on how you can improve your credit rating and profile, which may make it useful for those who have been rejected for a credit product or who require more than just access to their credit report.
It also has positive reviews from customers, according to review platform TrustPilot, and currently has a “great” rating based on more than 200 reviews.
How much does UK Credit Ratings cost?
The UK Credit Ratings credit report membership costs £19.95 per month, but you can also get a 14-day free trial. After your trial period ends, you’ll be charged your first monthly subscription fee, but you’re free to cancel at any time before your trial ends.
Does using UK Credit Ratings affect my credit score?
No, there’s no impact on your credit score when you view or access your credit report or credit score through UK Credit Ratings.
How do I cancel UK Credit Ratings?
You can cancel your UK Credit Ratings membership at any time by calling the customer service team on 0161 250 7700, emailing info@UKCreditratings.com, by mail or by clicking on the chat icon on the UK Credit Ratings website.
Pros and cons
- Uses TransUnion data
- Offers tips to improve your credit score
- Expensive monthly fee
- Limited free trial
With the plethora of free credit report services now available in the UK, it may be hard to justify UK Credit Ratings’ rather steep monthly fee, especially when your TransUnion credit report and credit score are available for free elsewhere.
However, if you’re looking for more than just your straightforward credit report or in desperate need of help when it comes to improving your credit score, UK Credit Ratings’ actionable advice service may come in handy.
How do I improve my credit score?
If your credit report or credit score is lower than you’d like it to be, there are a couple of things you can do to help improve it, including: