How Long Does It Take to Improve My Credit Score
Improving your credit score might appear daunting, but it's something which is definitely achievable with patience and effort. Understanding the timeline and factors influencing credit score improvement is essential as a first step to making improvements. [more...]
Payment Holidays and Your Credit Report
A payment holiday offers temporary relief from debt repayments, such as mortgages or credit cards and was big news a few years ago as the Covid 19 pandemic saw many people furloughed on a vastly reduced income. A payment holiday usually means exactly that [more...]
Main Reasons Why Your Credit Score May Have Dropped
Finding out about credit scores and understanding your numbers often feels like getting through a maze, where various financial decisions and behaviours influence every turn. The world of credit scoring and lending is complex, and each lender has its own criteria about who it wants to lend to. [more...]
What is a Credit Utilisation Ratio
When the credit referencing agencies calculate your credit score, there are numerous factors which they take into consideration. One of these factors is your credit utilisation ratio, which indicates the percentage of your available credit that you're currently using. [more...]
Getting Broadband Without a Credit Check
If you're worried about your credit history affecting your ability to get a new broadband deal, try not to panic. There are several broadband providers that offer packages without needing a credit check, which should allow you to get internet at home whatever your credit score. [more...]
7 Things to Do Before You Apply for a Mortgage
Would you lend money to a friend if you thought you didn't stand much chance of ever getting it back? Mortgage lenders make decisions on the same basis, and as they don't know you on a personal level, they will look at your financial history and credit report when deciding whether to lend you the money you have asked for. [more...]
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Lenders typically use their own systems to calculate your Credit Score based on the information in your Credit Report, often checking with one or more Credit Reference Agencies. Your Credit Check Online Credit Score is derived from all the Credit Report information we gather from TransUnion, helping you understand how you might be assessed when applying for credit.
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