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 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.

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.

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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.

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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.

Credit

How much of my credit limit should I use?

Learn more about the three most important considerations to help you decide for yourself.

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Credit Score

Does car insurance affect credit score?

Understanding how insurance impacts your credit score can be confusing. Our guide explains how car insurance could affect your credit score.