Credit Scores
How UK credit scores are calculated, what affects them, how to check yours for free, and practical steps to improve.
low risk
Your Credit Report And Your Credit Score
A complete UK guide to your credit report and your credit score. Plain English, no affiliate links, no financial advice.
low risk
Your Credit Report And Your Credit Score
A complete UK guide to your credit report and your credit score. Plain English, no affiliate links, no financial advice.
high risk
Bad Credit Loans: A Plain-English Guide
A plain-English UK guide to borrowing options if you have a poor credit history. Covers what bad credit means, loan types, risks, and free help.
medium risk
Loans For Young People: All The Basics
A complete UK guide to loans for young people: all the basics. Plain English, no affiliate links, no financial advice.
CCJ (County Court Judgement) A court order issued in England and Wales when you fail to repay money you owe. A CCJ stay… Credit file (credit report) The record held by each credit reference agency of your borrowing and payment history. It … Credit score A number produced by a credit reference agency that summarises your credit history. Lender… Default A default is recorded when you fail to make repayments for a sustained period — typically … Hard search (hard credit check) A full credit check that leaves a record on your credit file visible to other lenders. Mul… Soft search (soft credit check) A credit check that doesn't leave a mark on your credit file visible to other lenders. Use…