Featured Articles

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Does financing a car build 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

Credit card

Does applying for a credit card affect my credit score?

Learn how credit card applications affect your credit score and what happens during the process.

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

Does switching banks affect your credit score?

Here’s what you need to know about switching bank accounts and the potential knock-on effects to your credit score.

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Credit Score

Do utility bills affect your credit score?

There are a few ways they could impact your score, but it’s not guaranteed.

Credit Report

What is a statutory credit report? How to request yours

Understand the information on your statutory credit report. Know when you might need one and how to request it online or by post.

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Addresses & Electoral Roll

Does changing your address affect your credit score?

Understand the relationship between addresses and credit reports and the indirect ways that changing addresses could impact your score.

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Credit Score

The UK’s credit health knowledge gaps revealed

One in five adults don’t realise they can access their credit information.

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Credit Score

Understanding credit health: reports and scores

Learn what credit health means, how it could impact your financial goals, and why regular credit report checks are important.

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Credit Report

What is a default on a credit report?

Learn what a default on a credit report is, the impact it can have on your applications for new credit, and the steps to take if you have one.

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Payments & Borrowing

Does PayPal Buy Now Pay Later impact your credit score?

Discover how PayPal's credit services differ and how they may impact your credit score. Learn if it helps or hurts your credit and what to watch for.

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Addresses & Electoral Roll

Electoral Roll and a change of address: what to know

How to update your address on the Electoral Roll, how long it’ll take for the Electoral Register to reflect the change and important steps afterwards.

Loans

What does a guarantor need to earn?

Want to understand the role of a guarantor? From how much a guarantor needs to earn, to their rights and responsibilities, here are the key facts.