The Role of Open Banking in Modern Credit Checks
Open Banking has revolutionised financial services in the UK, and one of its most significant impacts is on credit checks. Traditionally, lenders relied on credit reports to assess an applicant’s financial behaviour, but these reports only show a snapshot of past activity. [more...]
Debt Management Plans and Credit Scores: What’s the Real Impact?
When facing financial difficulties, many people in the UK turn to Debt Management Plans (DMPs) as a practical solution to repay their debts in a manageable way. While a DMP can provide much-needed relief, it’s important to understand how it affects your credit score and future borrowing opportunities. [more...]
Simple Habits That Can Improve Your Credit Score in 90 Days
Improving your credit score doesn’t need to take years. By following a few smart habits and staying consistent, you can start to see real improvements in just 90 days. [more...]
How to Check Your UK Credit Score After Moving
Relocating to the UK comes with many tasks - setting up a bank account, renting a home, getting a job - but one thing often overlooked is the need to check your credit score in UK. Whether you're applying for a mobile phone contract or securing a flat, your credit rating plays a vital role in everyday life. [more...]
Joint Credit Scores: How Applying with a Partner Affects You Both
When applying for a mortgage, loan, or other financial product in the UK, many couples choose to apply jointly. While this can improve your chances of approval or increase the amount you can borrow, it also links your credit profiles. Understanding how joint credit applications affect both you and your partner is crucial before taking that financial step. [more...]
How Missed Payments Affect Your Credit Score UK - And How Long They Stay
Your credit report is more than just a list of numbers - it’s a reflection of how you manage your finances. From applying for a mortgage to securing a mobile phone contract, your credit score plays an important role in whether lenders decide to say “yes” or “no.” [more...]
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