Credit Score

• 14 Reasons Why Your Credit Score is Important
  A poor credit score can have a huge impact on your quality of life, affecting not only what you can borrow but where you live, what you drive, how you pay bills and even where you can work. Learn more about why your rating matters....
• A guide to getting a good credit score at 18
  If you’ve just turned 18, you may be starting to think about becoming more financially responsible and you may even be thinking about applying for a mortgage or taking out a car loan to finance your first car...
• Building Your Credit History from a Young Age
  Your credit score is really important for helping you get the things you want and need in life. Here are some useful tips and advice for starting to build up a good credit history in the UK from a young age.
• Business Credit Score Explained
  We fully explain what a business credit score is, why it’s so important, how to check your business score and how to build business credit.
• Can I Get a Mortgage With Bad Credit?
  To get a good mortgage deal, you need to prove to lenders that you have a good credit history. But what if you have poor credit? Can you still get a mortgage?
• Checkmyfile Review & Feedback: Credit Score and Report
  Monitor and view your own credit report with Checkmyfile in seconds. They take reports from 4 top Credit Reference Agencies including Experian, Equifax, TransUnion and Crediva to give you the full picture about your credit profile.
• County Court Judgments (CCJs) and Credit Scores
  County Court Judgments (CCJs) can damage your credit score and cause many issues. Here’s how to check if you have one and how to rebuild your rating.
• Credit Card & Mortgage Pre Approval Explained
  In this guide, we explain what mortgage, loan and credit card pre-approval means, how it works and where to check your eligibility.
• Credit Check Explained
  Read our guide here to find out everything you need to know about the meaning of credit checks and the type of checks that can have an impact on your credit report and score.
• Credit Reference Agencies – What Are They?
  When looking to check your credit score, you may come across different credit reference agencies. What are they and which ones are the best in the UK? Find out here.
• Credit Scores and Mobile Phone Contracts
  Your credit score will be checked when getting a mobile phone contract, but is there a minimum rating? Can you get a deal with bad credit? We explain all.
• Credit-score
  Compare UK Quotes are here to help on every aspect of credit score.
• CreditLadder Review: Can it Improve Your Credit Score?
  Our 2022 CreditLadder review takes a look at the company’s services and how they could benefit first-time buyers, renters and landlords.
• Creditworthiness: What Does it Mean?
  What is the meaning of creditworthiness and how is it determined by lenders and creditors when accepting or rejecting new customers for credit?
• Default on Credit File: What is it?
  If you miss several payments on any type of credit account and, despite several attempts, a lender has been unable to contact you, they will close your account and place a default on your credit file. Learn what that means here...
• Does Being Furloughed Affect My Credit Score?
  We explain how being on furlough during Covid-19 may affect your credit score and mortgage applications in the UK.
• Does Being Refused a Loan Affect Your Credit Rating?
  If your loan application has been refused and you are concerned that it might affect your credit rating, our guide explains all you need to know.
• Does Switching Bank Accounts Affect Your Credit Rating?
  If you're thinking of changing your bank account, whether it's due to better savings rates or cash back incentives, your credit rating could be impacted...
• Does Universal Credit Affect Your Credit Score?
  Universal Credit is a Government-run benefit that aims to help people who are struggling to pay their everyday living costs and it is paid monthly (or twice a month to certain people in Scotland). But does UC affect your credit rating? Find out here.
• Does Your Credit Score Increase When You Remove a Default?
  If you have had a default removed from your credit report, your score should start to improve, but if you have multiple defaults showing and only one gets removed, you might not see a huge change. There are, however, other ways to improve your score.
• Does a Joint Bank Account Affect Your Credit Score?
  Having a joint bank account with your partner may seem like a good idea, but it's always worth checking to see if your credit score could be negatively affected if you do so...
• Does a Student Loan Affect Your Credit Score?
  Debt usually has a bad impact on your credit score, but what about student loans? Here’s all you need to know.
• Does being a guarantor affect your own credit rating?
  We cover the meaning of a guarantor, what it means to be a guarantor, whether being a guarantor can affect your own personal credit rating and whether a guarantor has to be a homeowner.
• Does gambling affect your credit score?
  If a bank notices frequent gambling activity, most will then delve deeper and scrutinise how much and how often you’re gambling, and how this stacks up against your account balance and income. Learn more...
• Excellent credit score, but refused credit?
  Surprisingly, having a good credit score is not always enough to guarantee being accepted for a loan or credit card, which can be frustrating and confusing. Find out why you may have been rejected for credit despite having an excellent score...
• Find smart ways to cut your cost of living — without the fluff.
  Clear, practical UK guides on insurance and money-saving — designed to help you make confident decisions faster.
• How Can an Overdraft Affect Your Credit Score?
  The way in which you use your overdraft can have a significant impact on your credit rating, both negatively and positively. Here's all you need to know to help protect your score...
• How do BNPL schemes impact your credit score?
  Last Christmas, UK consumers racked up a staggering £2.3 billion of BNPL debt. However, 2 million Brits have said they were unaware that using BNPL schemes had an impact on their credit score. Learn how this type of borrowing could affect you.
• How long does it take to build credit?
  You can’t build a solid credit history overnight, especially if you’re starting from scratch, and the length of time it can take to build credit will depend on a number of factors. Read our simple guide to find out more...
• How to Build Your Credit Score With a Credit Card
  Using a credit card is one of the best ways to improve your credit score in the UK, but there are some things you must know before doing so.
• How to Check Your Credit Score for Free in the UK
  Knowing how to check your credit score and report for free is a must in the UK. Here’s how you can do it today.
• How to Fix Your Credit After Being Scammed
  If you’ve been the unlucky victim of fraud, you should immediately check how this may have affected your credit score (after reporting it). A low credit score means higher interest rates on borrowing or worse still, it can mean not being able to obtain any credit at all.
• How to Improve Your Credit Score
  Knowing how to improve your credit rating is a must in the UK if you want to access the best loans, mortgages and mobile phone contracts.
• How to Improve Your Credit Score Immediately
  Wondering how you can boost your credit rating ASAP? Read our key tips here to get started now and get better credit deals in the not-too-distant future...
• How to Protect Your Credit Score in 2020
  With the UK heading into a 2020 recession, it's vital that you take steps to protect your credit score to help yourself in the long-run. Follow our tips here...
• How to Register on the Electoral Roll
  Here's a step-by-step guide on how to register on the government's Electoral Roll so you can vote in the UK's General Elections. This can also help improve your credit score if you're looking for ways to boost it quickly! Find out more...
• Multi-Agency Credit Reports
  Checking your credit score with a multi-agency credit report site can be beneficial to those looking to apply for a loan, mortgage or any other form of credit.
• Notice of Correction: How to put it on your credit report
  If you’ve been the victim of a scam that’s damaged your credit score or are aware of a breach of your personal data, to protect yourself (and your credit rating) you can place a Notice of Correction on your credit report. Learn how to do this...
• Renting with bad credit
  In this guide, we discuss how people with bad credit can rent a property and how to check your credit file..
• The Best Free Online Credit Report Site
  If you're looking for a detailed and accurate credit report, we can tell you exactly where to find the best free credit score website - look no further than here!
• UK Credit Scoring Explained
  We've covered everything you need to know about credit scores in the UK: what is a credit check? What is a good credit score? Can you check your credit score for free? What is the best UK credit score site? Find out the answers and more here...
• What Affects Your Credit Score?
  We list and explain some of the many factors that affect your credit score or rating in the UK, including debt, CCJs and missed payments.
• What Credit Score Do You Need for a Mortgage?
  What credit score you need to get a mortgage depends on a variety of factors. Find out all you need to know here.
• What Credit Score is Needed for a Loan?
  What is considered a good credit score when getting a loan? It can differ between companies across the UK - here's all you need to know...
• What Does Adverse Credit Mean?
  If you struggle to borrow money or only seem to get rubbish loans or credit card offers with high-interest rates, you may have adverse credit. Find out what that means here and see how it could impact you...
• What credit score do you need to buy a car?
  So you’ve decided to treat yourself to a new car and need to borrow money, but do you need a good credit score to finance a car and do you know how much you’ll be able to borrow? Learn more here...
• What is Credit Card Utilisation?
  Your credit card utilisation rate (or your credit usage ratio) has a significant impact on your credit score and creditworthiness. Here’s what it means…
• What is Loqbox?
  Loqbox was originally a financial paid-for service named ‘Credit Improver’ launched in 2012 to help consumers build credit scores. In 2017, the founders of Credit Improver decided to launch a free credit builder service called ‘Loqbox’. Here's our review and all you need to know.
• What is a Good Credit Score in the UK?
  What is considered a good credit score in the UK according to the main credit reference agencies – Experian, Equifax and TransUnion? Find out here.
• Which UK Credit Report is Most Accurate?
  When you are looking at your own credit report, it pays to be accurate. So what’s the best free credit report site and how do I get a detailed credit history? We tell you here.
• Why Has My Credit Score Gone Down?
  Your UK credit score can decrease for a variety of reasons. Here, we explain the six most common ways people damage their rating.