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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.
Why has my credit score gone down when I haven’t missed any payments?
Wondering why your credit score dropped without missed payments? Explore common reasons like credit utilisation, hard searches, and balance changes.
Tips on how to improve your credit score
Discover strategies to help improve your credit score, from paying bills on time to managing balances. Steps worth taking, progress worth making.
Why has my credit score gone down? 14 reasons
Wondering why your credit score dropped? Discover 14 common reasons for a lower credit score and learn tips to help improve it.
How much does a loan affect your credit score in the UK?
Wondering how a loan impacts your credit score in the UK? Learn how loans affect your credit health, from short-term dips to long-term benefits.
Why are energy prices so high in the UK?
Learn about why energy prices are still high, the factors affecting wholesale energy costs, and the effect of the energy price cap.
Does PayPal Buy Now Pay Later affect 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.
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.
Is it better to rent or buy a house?
Learn more about the costs involved, potential advantages, and disadvantages of buying and renting.
How to increase your credit score quickly
Sometimes, you want to know how to increase your credit score quickly. While there’s no magic fix, we look at the things that can make a difference.
Does an overdraft affect my credit score?
Discover how overdrafts are reported, how they impact your score, and tips to avoid negative effects.
Does your student loan affect your credit score?
Student loans differ from other types of borrowing. Learn how they could impact future credit applications and what appears on your credit report.
Does Council Tax affect your credit score?
Get the facts and learn how it affects your personal finances.
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.
How to increase your credit score in the UK
For helpful tips to improve your credit score, read on.
How does closing a bank account affect your credit score?
Read on to find out what you should do before closing a bank account and the impact it can have.
Good credit score but declined a phone contract? Here’s why
Discover potential reasons for rejection and how to improve your chances with Checkmyfile.
Understanding why my credit score is different on different sites
Discover why your credit score varies across different sites and learn what factors affect these differences. Get clarity with Checkmyfile.
Does PayPal Pay in 3 affect my credit score?
Learn how Pay in 3 could impact your credit rating and what you need to know before applying.
Does a Mortgage In Principle affect your credit score?
Learn how a Mortgage In Principle impacts your credit score, whether a credit check is needed, and why it matters. Get the facts today.
How long does a credit card application take?
Wondering how long a credit card application takes? We take you through the whole process, from application to activation.
Adverse credit history explained
Learn what adverse credit history is, how long it lasts, and its potential impacts on your ability to borrow.
What is a statutory credit report? What to know and how to request yours
Understand the information covered by your statutory credit report, when you might need one, and how to request it online or by post.
Whose Credit Score is Used on a Joint Mortgage?
If you’re looking to buy a home with someone else, you may be wondering how your credit scores will impact your mortgage. Let’s look at the details.
Why can't I get a credit card? 13 possible reasons + how to improve your chances for next time
Find out why you’ve been declined and uncover tips for your next application.
What does APR mean on credit cards?
Learn about annual percentage rate: how it works, the different types, and additional fees to keep in mind.
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.
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.
What are credit checks for renting?
Credit checks for renting let landlords access basic information to help them verify your identity and gauge how you’ll be as a tenant. Learn more.
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.
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.
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.
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.
The impact of the cost-of-living crisis on credit scores
Learn how the cost-of-living crisis could impact your credit score and what you can do if you're facing financial issues.
Find out 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.
Will a satisfied CCJ affect my credit?
A County Court Judgment will affect your credit, even if it’s satisfied. Here’s what you need to know and how to improve your situation.
Moving in together: What to know about joint finances and credit scores
Learn the joint finance and credit score essentials before sharing a home with your partner.
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.
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?
How does Klarna work?
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.
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.
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.
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.
All You Need To Know About Anti-Money Laundering Checks
Discover the ins and outs of AML checks, including how they work and whether they can affect your credit score.
How much 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.
Anti-Money Laundering Checks When Buying a House: Your Guide
All you need to know about AML checks when buying a house, including how they work and whether they can affect your credit score.
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.
Buy-To-Let vs Residential Mortgage: What To Know
Learn the difference between buy-to-let and residential mortgages, how they work, who can get one, and what you need to qualify.
How does inflation affect mortgage rates?
Find out how the Bank of England's inflationary measures can drive mortgage rates up or down.
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.
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.
Can I apply for more than one credit card?
Can you apply for more than one credit card or have multiple credit cards in your name? Here’s what you need to consider.
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.
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.
Does closing a credit card affect your credit score?
Could closing a credit card negatively impact your credit score? Let’s find out.
Can you go over your credit card limit?
What happens if you do? Uncover all you need to know about credit card limits.
Can you get a joint credit card?
While you can get a joint credit card in the UK, it works differently to many other countries. Learn how it works in the UK and how to apply for one.
When do you start paying stamp duty?
Learn all about the different stamp duty rules in the UK, along with exceptions that may apply to you.
Can I use my credit card abroad?
If you're wondering if you can use your credit card abroad, the answer is yes. Learn how it works and what you need to know before you go.