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 card

What does APR mean on a credit card?

Learn about annual percentage rate: how it works, the different types, and additional fees to keep in mind.

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Mortgage

Stamp duty changes 2025: How it affects your 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.

Credit card

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.

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Credit Score

What affects your credit score?

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Affordability

The rising cost of food essentials: how foodflation is stretching UK household budgets

Why food essentials are becoming harder to afford

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Court Information

How long does bankruptcy stay on your credit report?

Learn when you can expect a bankruptcy to be removed from your credit report and steps you can take to improve your credit score in the meantime.

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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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Regulations

The potential changes coming to APR and credit advertising

Learn why the FCA is reviewing whether APRs still work well for consumers, and how it could influence changes to credit advertising.

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Credit

What credit score do I need for a personal loan?

Learn typical UK lender requirements and how to get a personal loan with low credit.

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Affordability

Does a salary sacrifice affect your credit score?

Does salary sacrifice affect credit score? Learn how salary sacrifice schemes and salary finance could influence lender affordability checks.

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Fraud

What is credit card fraud?

Understand the warning signs and what to do if you’re a victim of credit card fraud.

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Fraud

The benefits of using biometrics over passwords

They’re worth considering over traditional passwords.