Featured Articles

Person with curly hair and green glasses, stood in front of a tall building.

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.

Solid black house icon on a sky blue background.

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.

Black decrease icon on taupe background.

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.

Black magnifying glass icon on sky blue background.

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

A black ballot paper on a mint green background.

Addresses & Electoral Roll

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.

A black shield on a sky blue background.

Credit Score

The UK’s credit health knowledge gaps revealed

One in five adults don’t realise they can access their credit information.

White right-facing arrow icon on a navy blue background.

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.

Cartoon British postbox with a letter, clouds and an orange address pin

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.

Solid black person icon on peach background.

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.

Solid white X symbol on a navy blue background.

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.

Solid white exclamation mark on a plum coloured background.

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

How much of my credit limit should I use?

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

A plum red information marker within a white circle. The white circle is surrounded by the same plum red colour.

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.

White bold question mark symbol on a dark brown background.

Credit Score

How long does it take to improve a credit score?

Everyone’s credit health journey is different. Here’s how long it could take to grow your credit score, and the things you can do to improve it.

Black, bold question mark icon on mint green background.

Credit Score

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

Discover potential reasons for rejection and how to improve your chances with Checkmyfile.

Blue cartoon filing cabinet on taupe background.

Credit Score

Does Council Tax affect your credit score?

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