UK Credit Ratings
Overview
In this review we assess UK Credit Ratings performance after personal experience with the brand, we tested it out from a customer’s perspective and looked at the pros and cons the service brings to the table. You can unravel your credit score from their report and they also include features such as viewing your social media image and other information.
The Manchester based business have spent years in the industry and their professionals help you manage your finances like you’re the expert. Find out what the lenders can see and how they’re scoring your credit performance. The main selling point of this site seems to be the effectiveness without you needing to delve too deep. There’s no jargon along with your report just strong and accurate reports accompanied with ways to improve your score.
Summary
- Easy to Use
- Mobile Friendly
- Excellent Customer Service
- Can only call until 5:30pm
Click to view your Credit Report and discover for yourself why we think UK Credit Ratings is a great credit score checker
Get a Free Credit Report
You can get a free credit score report from UK Credit Ratings as they brandish a free trial for all customers. You can receive your score within seconds plus there are options to add the social media feature along with joining up on an on going plan that will be able to update you with your score and techniques to improve it.
This service is aimed at those that’d prefer to skirt the unnecessary faffing and instead get down to business, they tell you what you need to know and keep the entire process simple. If you like a powerful service with no-thrills then this is the company for you, you can sign-up to 14-days for free where you’ll get a credit report and some of the e-mails that existing customers receive. Upon the completion of that period you can then join for a monthly fee of £19.95. To see more options when it comes to credit reports, please check out our other reviews such as Credit Reports Matter for further options.
Signing Up
It’s easy to sign-up at UK Credit Ratings all you need to do is click onto their website, select “See Your Score Now” and then quickly join their trial. You will get a credit score and report, be able to see your social media image and how it affects your overall chance of taking out a loan or credit card.
Signing up can be done by layman’s and it doesn’t take anything special to join the site. Plus, you can cancel at any time through the trial or even after once you’re an official member.
Once you are a member, the UK Credit Ratings login is simple. You can even save your password to make it even easier next time you log in.
What Affects Your Credit Score?
A question asked all too often and the answers unfortunately surprise many, that’s why a service of this kind can be so beneficial as part of understanding your finances. A running membership will ensure that you get the latest information on your credit report and it won’t affect your score when it is checked neither is it recorded.
But what actually affects your credit report?
- Your address and how long you’ve been based there
- Social media activity
- Previous finances such as banks, credit cards, loans and mortgages
- Current finances
- Mobile phone contracts/media/broadband
- Previous rejections
- CCJ’s
UkCreditRatings is a no-nonsense company that help you come to terms with all you need to know and there’s no bending around the truths, they give you exactly what you need to know.
How Often Do They Update?
Like many other websites of this nature they keep your file updated, you will find an update every four to six weeks. If you have any questions or problems with the score provided then get in contact with UK Credit Ratings but allow them up to 12 weeks to make changes to the score and monitor it as you go. See our Equifax review if you would like to learn about this alternative service instead.
UKCreditRatings FAQs
If you are wondering why a default is on your record, a paid judgement is still showing, why your rating is still poor then they have a whole team that can assist you. Firstly, you are asked to be patient on updates and also to look thoroughly through what you have been sent but if you still have queries then don’t hesitate to get in touch for help and support, details on UK Credit Ratings refund and more. Your questions can be answered by their friendly customer service. Check the FAQs here and if there’s still no answers call 0330 124 3541.
Services & Features
We weren’t surprised by the service of UKCreditRatings as it was just as good as previous reviews have suggested although we’d hoped to gain access to more tools and features, the ones they do provide are flawless. In some ways, the simplicity is a strength as it keeps things uncomplicated and helps you on your way forward. Plus, they have everything you need even including the social media image feature which scans your social profiles and lets you know if it’s negatively or positively affecting your overall credit score and chances of taking out loans, mortgages and credit cards. They do help you breakdown why your score is what it is and they also offer additional services.
Their services and features include:
- A simple credit report that’s easy to use
- 24/7 identity protection
- Real-time credit monitoring, constantly updated
- Fraud monitoring
- Social image score
- Unlimited access to credit score
Identity Protection
When signing-up to this type of service, we recommend that they include this feature. It’s a great bonus to the package and UKCreditRatings actually have quite a solid system sure to deter any fraudulent activities. They give you a 24/7 service and will notify you if anything is flagged or suspicious, in addition to this they also protect your score from unnecessary penalisation. Other companies such as Experian CreditExpert also offer a similar service.
If you feel a credit report is inaccurate then you can bring it to UKCreditRatings’ attention and they will deal with it for you. A dispute and file correction means that their experts can closely place their careful eyes over the report and how it was conducted, if it is inaccurate and you have been unfairly judged then they will appeal it and help you file for a correction.
One part of this company we’ve been really impressed with is how well-rounded and helpful they are, they seem to have an accessible team easy to contact and deal with all enquiries. Something that can’t be said for all other customer services as they take a little longer to get hold of and sometimes we are still working our way through all the technicalities. You know where you stand with this business.
Is it Safe to Use?
UKCreditRatings’ reports, tests and assessments both on your credit score and your social media accounts will in no way affect your credit report. It is completely safe and is something we recommend to everybody as it is important to keep a close eye on your financial status and how it is being watched. This way you know where you stand and can seek help from those in the know.
UKCreditRatings is a large company that is responsible for numerous files and data, they take this very seriously and from what we’ve seen they’re more than reliable. You can trust them to take care of you personal details and finance details, they have limited access and cannot look this up at any time. Meaning it is not readily available to their employees, so you can feel safe in the knowledge that your details are secure.
Like many other sites, UKCreditRatings is safe to use. If you feel this is not the site for you, but you want to make certain the site you use is safe and secure, you might want to have a look at our Credit Angel Review, which offers similar things.
Help & Support
This is one of the pluses of the UKCreditRatings website, their approachable team make it easy to contact them, enquire and get all the answers that you require. If you do need help with any aspect of your credit report then don’t hesitate to get in touch, simply call the customer services on 0330 124 3541. You can cancel your account via that number, ask general enquires or find out more about their service.
Cancellation
Cancellation at UK Credit Ratings is easy. You can cancel at any point and all you need to do is simply get in touch and let them know you want to cancel.
About UKCreditRatings
UKCreditRatings.com is an export reporting service that gets their information from a specialist reference agency in the UK. These agencies provide lots of information about borrowers to lenders to help them make their decision. The information they share can be previous credit history and much more. UKCreditRatings is operated by RS Data Tech Ltd (RSDT).
For more information on UKCreditRatings, we would highly recommend looking at the terms of use which is presented on their website. You can get to the UKCreditRatings site easily by clicking the link at the top of this page.
Our Verdict
After using UKCreditRatings for credit reports and scores, identity protection and social media image monitoring, we found it very helpful. It passed our test with flying colours, despite there being areas where they could improve we feel those weaknesses actually turned out to be strengths. They are known for being a no-nonsense business who tell you exactly what you need to know and although we hoped for more tools, the fact they don’t bombard you with all the little details or insignificant facts is a pro. Sign-up and find out your score without any of the jargon.
We were pleased with the overall service and their customer service team were very friendly, they answered any enquires that we had and even have an FAQ section that extensively visits new customer’s concerns. If you are unsure on the company or procedure in itself then visit the frequently asked questions page.
It’d be nice to have a blog that could keep us constantly in the know with the latest finance and lender tactics. But overall UKCreditRatings allowed us to have a positive experience, if you wish to join then you should make full use of the 14-day free trial. This will allow you to embrace a free credit report and if you wish to join after then it’s simple and you can always cancel from then on without any hassle whatsoever.
I thought this was very easy to get my credit score and loved i could keep going back in all month to see if it had improved. The HOW TO IMPROVE YOUR CREDIT SCORE article helped me a lot to get better scores built up.
That is great to know you liked the “How to Improve Your Credit Score” article and I might make this into a PDF document so people can download it and work through what they need to do on it.
Took me a while to run through the set up but completely agree about the article on improving your credit score being a massive help to use with this provider. The login and signup could be improved though slightly.
Loving the Pros on ‘Great article of improving credit score’. Thank you very much
UK Credit Ratings was really easy for me to use. Found it really helpful and beneficial and would definitely use again!
Many say this is the best credit history checker
Had good support staff and probably one of the best credit score checkers I have come across.