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Get a monthly text or email credit score report.
The process of subscribing is so simple and it's completely flexible. Follow the 4 simple steps below.
First:
Subscribe online and set up your monthly direct debit.
The sign up process takes less than 5-minutes.
Second:
5 days after registration your first payment will leave your account via direct debit.
The monthly payment is fixed at £9.49.
Third:
Three days after your first payment you will receive your first alert update containing your current score.
Fourth:
Each month you will now receive an update with your credit limit, score, changes and commentary.
We have gathered answers to some of the most common questions we get.
Your business credit score is a crucial indicator of your financial stability and trustworthiness. Here’s why monitoring it is essential:
Determine your eligibility for a business loan – Lenders assess your credit score when deciding whether to approve your application.
Understand your trade credit limits – Suppliers use it to determine how much credit they’re willing to offer, helping you manage cash flow more effectively.
Spot errors and fraud early – Identifying mistakes or suspicious activity quickly allows you to rectify issues before they impact your financial standing.
Address legal notices promptly – Responding to negative financial information swiftly can help reduce any damage to your credit profile.
Build credibility – A strong score reassures customers, suppliers, and potential business partners that your company is financially reliable.
A business credit score is a measure of your company’s creditworthiness. In simple terms, it tells lenders and financial institutions how much risk is involved in lending to your business.
A higher score suggests your business is financially responsible and more likely to meet repayment obligations, such as loan instalments. Credit reference agencies each use their own scoring system.
Our credit agency partner, Experian, utilises the Commercial Delphi Score, which ranges from 0 (highest risk) to 100 (lowest risk).
Your credit score reflects your company’s financial position and can significantly influence your future success. A strong score increases your access to funding for daily operations and future growth plans.
It also helps you:
Secure better supplier terms – Businesses with higher credit scores often qualify for more favourable payment terms.
Win new contracts – A strong financial profile can make your company more attractive to potential clients.
Maintaining a good credit score ensures your business remains financially stable and prepared for future opportunities.
Several elements contribute to your credit score, both positively and negatively, including:
Payment history – Late payments to suppliers can harm your score, while prompt payments improve it.
Legal notices – County Court Judgements (CCJs) or insolvency proceedings can have a significant negative impact.
Filing history – Keeping your accounts up to date and filing them on time at Companies House improves your rating.
Company details – Your business’s age, industry sector (SIC code), and location all influence your score.
Director information – Certain financial details relating to company directors may also be taken into account.
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