Why is my credit score different?
Knowing your credit score can be useful if you are looking to apply for a mortgage or loan. Once you have received your credit score from one agency, it can be useful to check with another. However, the new credit score may differ. Find out why below.Read More
What are Credit Scores, Our Guide
Your credit score is a number, typically ranging from 300 to 850, which represents your financial health. Your score is checked in situations where you apply to borrow money — a higher score is an indication you are more likely to be able to make repayments.Read More
How long does a CCJ last on my credit file?
A County Court Judgement (CCJ) will usually stay on your credit file and a public register for six years. However, you can get it removed sooner if you settle the debt quickly.Read More
What do lenders see on your credit report
Find out what lenders see on your credit report in the UK before they make a decision on your borrowing. Gain some useful tips on how to identify incorrect information on a credit report to ensure you’re in a good position.Read More
Hard vs soft credit checks
When considering a loan application, a lender will perform a credit check. There are two different kinds: hard and soft. Here we discuss the differences and how they may affect you.Read More
Clean up your credit report
Learn how to remove errors on your credit report and get it in shape for when you need to borrow. Discover how to access your credit report and manage any mistakes in just a few simple steps.Read More
Does an overdraft affect credit score?
An overdraft can be used as a cash buffer, giving you credit on your current account. However, overdrafts need to be managed properly to prevent your credit score from dipping.Read More
What is a credit check?
Credit checks are a necessary part of credit applications – from paying for your first phone contract to securing a mortgage, it pays to know how they work.Read More
Factors affecting your credit score
Find out about the different factors that could have an effect – positive or negative – on your credit report, and the steps you can take to improve your score.Read More
Consequences of bad credit
Having bad credit could restrict your choices when it comes to borrowing. Find out more about what could be affecting your plans.Read More
How to keep track of your credit score
Your credit score can affect a number of things, including buying a house. Learn how to check your credit score, and more about the factors that can alter it.Read More
How does credit score affect borrowing?
Find out what impact your credit score could be having on your ability to borrow.Read More
How to borrow with bad credit
Having a bad credit history doesn’t necessarily mean you can’t borrow. We explain what lenders will look for and how you can borrow with a bad credit score.Read More
Correcting an error on your credit report
Find out what you should do if you find a mistake on your credit report, as well as the consequences it can have on your finances if you don’t take action.Read More
What is a County Court Judgement?
A County Court Judgment or CCJ can cause a significant hit to your finances. Find out what a CCJ is and what you can do to get past it.Read More
Applying for credit for the first time
If you’re a new borrower looking to take out your first loan or credit card, find out how you can get a first-time loan, even with no credit history.Read More
What to do if you’re refused credit
If your loan application has been rejected, you might wonder why it might have happened. Read our short and simple guide to help you bounce back.Read More
Rebuilding credit rating after bankruptcy
Declaring yourself bankrupt can be a tough but necessary decision, and it’s difficult to know what to do when in debt. Find out how you can still repair your credit score despite this setback.Read More
What is a pre-approved loan?
Pre-approved loans are loans that have been undergone a provisional soft credit check. While pre-app...
What is Hire Purchase?
Hire purchase is a type of finance which allows you to own the car while repaying monthly instalment...
Loans for people on benefits
If you’re on benefits, you may think you don’t qualify for a loan. However, there are lenders and lo...
Common causes of debt
Being aware of the main causes of debt can help you better prepare for such situations and help you ...
How does Remortgaging Work, Our Guide
Remortgaging your property is a serious step to take, but it can be a good way to make the most of y...
All you need to know about low credit score loans
Your credit history is considered when you apply for credit, so where does this leave you when you h...