How can you get your credit rating without a credit card?

Question

I want find out my rating but i dont own a credit card

Answer 1

Everyone has a credit rating, regardless of whether they have a credit card or not.

Check your credit rating at www.creditexpert.co.uk

Answer 2

it depends what loans and repayments youve made on time etc whether it be bank/card mortgage  your spied on at every angle

Answer 3

Get a prepaid card:

http://www.financecomparator.co.uk/prepa...

and get your credit report for FREE:

http://www.financecomparator.co.uk/credi...

Alternatively, you can write to Equifax or Experian, but they will charge you £2 on top of the stamp :)

Answer 4

All the major credit agencies (Equifax, Experian, CallCredit) are obliged by law to provide you with a credit report for £2.  Experian and CallCredit will definitely do it with a cheque or postal order, Equifax with a debit card.  Note - they don't exactly make it easy to find the information to apply on their websites but it is there!  It is called the statutory report or statutory credit report

Answer 5

Repaying student loans is an effective way to build credit. Also paying electric/water/gas bills on time.

Answer 6

You probably do need to get one in order to find out your rating. I signed up with a credit report site while i only had a debit card and a student loan but nothing showed for months until i actually signed up for a credit card.