Featured Articles

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Does car finance improve your credit score?

Explore how having a car on finance can build and improve your credit score and how it might damage your credit rating if you’re not careful.

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Credit Score

Does a mortgage holiday affect your credit rating?

Does a mortgage holiday affect your credit rating? Can it impact your ability to borrow? And what are the alternatives? Here, we explain all.

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Credit Score

Why is my credit score low? Top 10 reasons explained

Wondering why your credit score is low? Read Checkmyfile's guide to understand causes, get tips, and improve your score.

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Searches

What is a tenant credit check?

Landlords use tenant credit checks to verify your identity and to help determine if you’ll be a good tenant. Here’s what to expect from these checks.

Credit Score

What credit score is needed to buy a house?

Wondering what credit score you need to buy a house? Learn if you can get a mortgage with poor credit and how to improve your score with Checkmyfile.

All Articles

Mortgage

Whose Credit Score is Used on a Joint Mortgage?

If you’re looking to buy a home with someone else, you may be wondering how your credit scores will impact your mortgage. Let’s look at the details.

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Mortgage

Does a Mortgage In Principle affect your credit score?

Learn how a Mortgage In Principle impacts your credit score, whether a credit check is needed, and why it matters. Get the facts today.

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Credit Score

Why has my credit score gone down when I haven’t missed any payments?

Wondering why your credit score dropped without missed payments? Explore common reasons like credit utilisation, hard searches, and balance changes.

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Credit card

How much is the credit card minimum payment?

Find out how credit card issuers calculate the minimum payment, where to check it, and the effects of only paying the minimum.

Credit card

Can you apply for more than one credit card?

Can you apply for more than one credit card or have multiple credit cards in your name? Here’s what you need to consider.

Credit Score

Why has my credit score gone down? 14 reasons

Wondering why your credit score dropped? Discover 14 common reasons for a lower credit score and learn tips to help improve it.

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Credit Score

Does your student loan affect your credit score?

Student loans differ from other types of borrowing. Learn how they could impact future credit applications and what appears on your credit report.

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Bank account

How does closing a bank account affect your credit score?

Read on to find out what you should do before closing a bank account and the impact it can have.

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Regulations

When do you start paying stamp duty in the UK?

Learn all about the different stamp duty rules in the UK, along with exceptions that may apply to you.

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Credit card

What does APR mean on a credit card?

Learn about annual percentage rate: how it works, the different types, and additional fees to keep in mind.

Credit card

Why can't I get a credit card? 13 possible reasons

Find out why you’ve been declined and uncover tips for your next application.

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Credit Score

Tips on how to improve your credit score

Discover strategies to help improve your credit score, from paying bills on time to managing balances. Steps worth taking, progress worth making.