Credit Scores and Files

Credit score cross word image

Is it me?

….Or is everyone obsessed with their credit score?

A credit score is a numeric figure that is given to indicate your credit worthiness, it is based on many different factors and can be illustrated in different ways…

961-999 = Excellent

881-960 = Good

721-880 = Fair

561-720 = Poor

0-560 = Very Poor

Most people will do best if they appear in the Fair to Excellent bands whilst those in the Poor to Very Poor band will find it hard to obtain credit or find that the rates of interest offered on the repayments are extremely high.  The content of the credit file is the key to determining a persons ability to pay.  A good file will have all green markers against  accounts or lending,very few searches for credit will appear  and prove a good.

Discover what is on your file!

The truth be known understanding your credit file  is the first step to Financial Freedom!  Having current and correct information will allow you to deal with pressing issues, address errors and question any suspicious activities that show up – Fraud protection is also another reason to check your file.

Only the unknown frightens men. But once a man has faced the unknown, that terror becomes the known and you can deal with it.

Where and how to obtain your credit score and file..

You can write to any of the credit reference agencies and ask for a copy of your credit reference file, which will cost you £2.

Your letter should include:

– your full name;
– any other names you have used or been known by in the last six years eg your maiden name;
– your full address including postcode;
– any other addresses you have lived at in the last six years;
– your date of birth; and
– a cheque or postal order for £2 made payable to the credit reference agency.

The addresses of the credit reference agencies are:

Equifax Ltd
Credit File Advice Centre
PO Box 1140
0844 335 0550

Callcredit Plc
Consumer Services Team
PO Box 491
0870 060 1414

Experian Ltd
Customer Support Centre
PO Box 8000
NG80 7WF
0844 481 8000

For a Free report you can log onto 

I’ve obtained my file, What next?

Its time to take action – if your score is good can you improve it further? Are you ready to obtain the credit you need for your life time commitments.

If it is bad you need to look into the reasons why, you need to take steps to improve your score.

How can I help you with this?

Our personal one to one financial reviews are formulated to discover the facts.  In these sessions I am happy to explain your credit score, explore improvement techniques, introduce you to professionals that can help you further and also advice you on your next steps.

Contact today to arrange your financial review. 0203 488 1906


NB: score figures taken from an example on