UK Credit Rating & History

UK Credit Rating - Your History

Your Credit History has two main components.
- Internal Credit History. If the lender has loaned to the same customer previously, he will likely have detailled records of how well the transaction was conducted. This is credit history, and is often referred to as 'internal' credit history - internal to the particular business.
- External Credit History. Internal credit history normally will not satisfy a lenders risk evaluation process, particulary if it is a new customer who will not have any. Even for existing customers, the lender will be keen to learn how the individual has conducted other credit transactions with other businesses. This is 'external' credit history, and external credit history is provided by an external credit reference agency (CRA).

This data is provided to the CRAs by lenders on a monthly basis for each account held. Data is as follows: paid on time, 1-6 months in arrears, 1-3 paymants in arrears, more that 3 paymants in arrears, facility unused, account dormant, new account, query, account satisfied, defaulted on account, arrangement to pay (other than original agreement), transferred balance, repossession of goods or voluntary repossession. There may be additional notes.

Currency Exchange Rates

Follow the prices of all world currencies and major precious metals. Review current and historic data, in both tabular and graphic format.

Buy Foreign Currency

Get the best deals direct from a FOREX specialist.

Stocks & Share Prices

Track the progress of the world's most dominant companies. We have up to the minute prices for over 2,000 leading business'.

Stock Market Indices

Keep an eye on Stock Exchanges from around the world. We track all the major indices from all major centers.

Meet John Paul

Meet John-Paul, Voltrex FX's leading FOREX specialist.

John-Paul says "anyone can save a lot of money by buying foreign currency online. It stands to reason – you save a lot of money because you cut out the middle-man".

Get started by taking John-Paul's "yes or no" test now – the rest is easy!

Is your bank or Bureau de Change giving you a wholesale exchange rates?
Is your currency provider taking a commission off your foreign exchange transaction?
Are you being charged transfer fees?

A FOREX specialist will give you a better rate and will not charge you fees. Learn more or ask John-Paul for a quote now – he will call you right back.

Quick Links

Other Information

We care about your experience

We have taken care code this page correctly, ensuring you have a good user experience. If you notice any errors on the page, we'd appreciate you letting us know