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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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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.

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Improve your credit score in 12 steps

It all starts with a detailed understanding of your credit report. Steps worth taking, progress worth making.

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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.

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Why is my credit score different on different sites?

Understand how your credit score is calculated, why your score might differ, and how to get it heading in the right direction.

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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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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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What credit score is needed to buy a house?

What credit score is needed to buy a house? Can you get a mortgage with poor credit? How can you improve your credit score? Find out here.

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Does closing a bank account affect your credit score?

Before closing a bank account, it’s important to understand what impact this can have on your credit score. Let’s dive in!

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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.

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Does PayPal Pay in 3 affect my credit score?

Learn about how PayPal Pay in 3 can affect your credit score, potential risks to be wary of, and tips for using the service responsibly.

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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.

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Does a Mortgage In Principle affect your credit score? Everything you need to know

Does a Mortgage in Principle affect your credit score? Can you get one without a credit check? And how reliable is it? Find out here.

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How to improve your credit score

We’ve gathered the factors that influence your credit score, and some changes you might be able to make to improve it.

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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.

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Why is my credit score low? 10 reasons

Discover the main reasons for a low credit score and some of the actions you can take to start improving your credit rating over time.

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What does APR mean on credit cards?

Learn what APR on credit cards means, the different types of APR, how it works, and additional fees to keep in mind.

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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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Does your student loan affect your credit score?

UK student loans work differently to other types of borrowing, as they don’t show up on your credit history. Find out all you need to know.

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Does PayPal Buy Now Pay Later affect your credit score?

We guide you through the differences between PayPal’s credit services and how they might have an impact on your credit score.

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Does car finance improve your credit score?

Explore how having a car on finance can improve your credit score, and the ways it might damage your credit rating if you’re not careful.

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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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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.

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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.

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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.

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How does inflation affect mortgage rates?

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

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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.

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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.

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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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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.

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How long do defaults stay on a credit file?

A default can make it harder to get credit, but they don’t stay on your file forever. Here’s what to expect if you have a default on your credit file.

Smiling man with dark hair and a blue shirt.Credit Score

Why has my credit score gone down when I haven’t missed any payments?

There are many reasons why your credit score might go down. We explore some of the most common and the steps worth taking to improve your credit.

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Does Klarna affect your credit score?

We look at how Klarna’s different Buy Now, Pay Later options appear on your credit file and how Klarna can affect your credit score.

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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.

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Why has my credit score gone down? 14 reasons

Wondering why your credit score has gone down? From missing payments to closing an account, we look at potential reasons behind a sudden drop.

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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.

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Does Council Tax affect your credit score?

How does council tax affect your credit score? We look at the role this essential outgoing can play in your personal finances.

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Does an overdraft affect my credit score?

Does your overdraft affect your credit score? Does your overdraft show up on your credit report? Read on for the answers to these and other questions.

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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.

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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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How much does a loan affect your credit score in the UK?

We look at how much a loan affects your credit score in the UK, including the changes to expect when you apply, make repayments, and pay it off.

Smiling woman with long red hair and a black vest top.Credit Score

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.

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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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Good credit score but phone contract declined? Here’s why

There are many reasons why your phone contact may have been declined—and they’re not all related to your credit score. Find out why here.