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

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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 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.

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Credit Report

Does being a guarantor affect your credit?

Simply being a guarantor won’t affect your credit score. But if the borrower doesn’t pay, it can impact you. Here’s what you need to know.

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Credit Report

How long defaults stay on a credit file and the effect it can have

Wondering how long defaults stay on your credit file? Learn the timeline and steps to improve your credit score.

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Credit Score

Why don’t I have a credit score? Understanding credit invisibility in the UK

There are steps you can take to start building your credit history.

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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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Payments & Borrowing

Can you pay rent with a credit card?

If your landlord is willing, you can pay your rent with a credit card. Learn more about the potential benefits and drawbacks of doing so.

Mortgage

Big changes to stamp duty – what it means for your credit 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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Credit card

How much is the minimum payment on a credit card?

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