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 history

Adverse credit history explained

Learn what adverse credit history is, how long it lasts, and its potential impacts on your ability to borrow.

Credit card

Can you go over your credit card limit?

What happens if you do? Uncover all you need to know about credit card limits.

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Mortgage

Checking your credit report throughout your mortgage journey

Here’s how you could benefit from monitoring your file at every stage of the mortgage process.

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Mortgage

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.

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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 card

Does closing a credit card affect your credit score?

Could closing a credit card negatively impact your credit score? Let’s find out.

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Credit Score

Does Council Tax affect your credit score?

Get the facts and learn how it affects your personal finances.

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Payments & Borrowing

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.

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Credit Score

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.

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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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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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Mortgage

How does inflation affect mortgage rates?

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