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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Associations & Aliases

How joint finances could impact your credit score

Learn the joint finance and credit score essentials before sharing a home with your partner.

Credit

How does Clearpay work?

Chances are you’ve seen the turquoise Clearpay logo when you hit the checkout – but how does it work, and will it affect your credit score?

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Credit

How does Klarna work in the UK?

With new rules coming into place for Buy Now, Pay Later (BNPL) services, you may be wondering how it works – and if it’ll affect your credit score.

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Mortgage

What is an offset mortgage? Here’s what you need to know

Learn what an offset mortgage is and how it differs from a standard mortgage.

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Fraud

What is first-party fraud and how could it affect you?

Many assume there’s nothing wrong with first-party fraud, but the consequences could affect your credit score.

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Mortgage

Freehold vs leasehold: Pros and cons in the UK

Learn the difference between freehold and leasehold property, and the future reforms in the UK.

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Regulations

Anti-Money Laundering Checks When Buying a House in the UK

All you need to know about AML checks when buying a house, including how they work and whether they can affect your credit score.

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Mortgage

The Pros and Cons of an Interest-only Mortgage Holiday

Can you take an interest-only mortgage holiday, and will it affect your credit score? Here’s what you need to know.

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Regulations

Everything you need to know about AML checks

Discover the ins and outs of AML checks, including how they work and whether they can affect your credit score.

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Credit Score

What is a good credit score?

Uncover what each credit reference agency considers a ‘good’ credit score, how to get one, and the benefits of having one.

Mortgage

Understanding buy-to-let and residential mortgages

Learn the difference between buy-to-let and residential mortgages, how they work, who can get one, and what you need to qualify.

Credit Score

How to improve your credit score without a credit card

Discover how to improve your credit score without a credit card, using rent reporting and good payment habits.