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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Credit

Does Klarna affect your credit score?

Does Klarna affect your credit score? Find out how Klarna's payment plans are reported and what you can do to protect your credit rating.

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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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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.

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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 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

How to build credit as a new UK immigrant

Uncover practical ways to start building your credit score.

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Affordability

UK Treatflation Calculator: How Much More Do Your Favourite Treats Cost Now?

Our calculator reveals how much more Brits are paying for the same treats in 2026, and what they might be paying in the next 15 years.

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Credit Report

Where does the information in your credit report come from?

Learn what to do if something doesn’t look right on your credit report.

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Affordability

UK Financial Stress Index: Which cities and towns are feeling the greatest financial pressure?

Our UK Financial Stress Index reveals which cities and towns face the greatest financial pressure based on debt, income, employment and wellbeing data

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Fraud

How to prevent identity theft while travelling

Learn how to help protect your details and what to do if they are compromised.

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Credit

Declined for Credit? Your Step-by-Step Guide to Understanding Why

Had your credit declined? Find out why lenders say no, how it could affect your credit file, and what you can do next.

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Credit Score

Does buy now pay later affect your credit score?

Does Buy Now Pay Later affect credit score? Potentially, yes. In this article, we’ll explain exactly how, so you can make an informed choice.