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

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Mortgage

Stamp duty changes 2025: How it affects your score

Here’s everything you need to know about the stamp duty changes being introduced in April 2025 and how they could affect you and your credit score.

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Regulations

How long does it take to buy a house?

From making an offer to getting the keys to your new home, our step-by-step guide explains all.

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Mortgage

How does inflation affect mortgage rates?

Find out how the Bank of England's inflationary measures can drive mortgage rates up or down.

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.

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Credit Report

What is a default on a credit file?

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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Credit Score

Does an overdraft affect my credit score?

Discover how overdrafts are reported, how they impact your score, and tips to avoid negative effects.

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Credit Score

How to increase your credit score in the UK

For helpful tips to improve your credit score, read on.

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Payments & Borrowing

Car finance compensation: What you need to know about the FCA scheme

The FCA's car finance compensation scheme is now live. Find out if you're eligible, how to find old agreements, and how to make a claim.

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.

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Credit Score

What affects your credit score?

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Affordability

The rising cost of food essentials: how foodflation is stretching UK household budgets

Why food essentials are becoming harder to afford

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Court Information

How long does bankruptcy stay on your credit report?

Learn when you can expect a bankruptcy to be removed from your credit report and steps you can take to improve your credit score in the meantime.