Understanding your credit score
What lenders actually see, what hurts it, and the free ways to check it.
★ Featured guide Plain-English UK No affiliate links
Borrow less.
Understand
more.
A friendly UK guide to loans, credit, debt and credit scores, and the decisions that go with them. No upselling, no waffle.
What do you need
help with?
Choose what fits Loan types
Personal loans
What they are, how they work, what to watch out for.
High risk
Bad credit loans
Options when your credit history is less than perfect.
High risk
Debt consolidation
When it helps, when it doesn't, and what to check first.
Credit
Credit scores
What lenders see, how scores are calculated, free checks.
credit scores
Loan Credit Checks: What You Need to Know
When you apply for a loan, lenders run a credit check. Understanding the difference between a soft search and a hard search, and knowing which UK credit reference agencies are…
credit scores
Inside Your Credit Report: Understanding Your Score and More
A refreshed guide to what sits inside a UK credit report, which agencies hold your data, and what a hard search actually does to your file.
credit scores
How to Improve Your Bad Credit Score in the UK
A practical overview of how UK credit scores work, which agencies hold your data, and the steps that can help improve a poor credit rating over time.
personal loans
The real cost of borrowing to cover an energy bill
If you are thinking of taking out a personal loan to help with energy costs, the monthly payment is not the number that matters most. This update explains why the total amount…
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