
Do Direct Debits improve your credit score?
A Direct Debit is an agreement made with an organisation that means they can directly charge your bank account. Do direct debits improve your credit score? The short answer: Yes! But there are some caveats to be aware of.

Does applying for Universal Credit affect your credit score?
In 2013, the Government introduced Universal Credit to replace and combine six benefits. It is now claimed by more than 2 million people in the […]

CCJs: Your Questions, Answered
If you owe money to someone and they take court action against you, you may end up with a County Court Judgement on your credit report. But what is a CCJ?

What is a Notice of Correction in my credit report?
What is a Notice of Correction? A Notice of Correction is a short statement of up to 200 words that goes on your credit report. […]

How will my credit report and deposit affect my mortgage?
When taking out a mortgage, you’ll want to make sure you get the best rate possible – otherwise you’ll find yourself spending far more on […]

Take 5: Check your credit file in 5 minutes
You want to check your credit file every month to make sure everything is in order – that all of your accounts are there and […]

Where Does My Credit Report Come From?
Introduction to a credit report We pull your credit report from Equifax, one of the three credit bureaus in the UK. You are able to […]

7 proven ways to build credit reputation while you’re still young
It’s important to build up a good credit reputation while you’re still young, as it could be a deal-breaker when it comes to renting a […]

Should I get a credit card or loan?
You need some cash, but which is the better option for your needs – a credit card or loan? If you only need a small […]

What is an account in arrears?
Put quite simply, if you have an “account in arrears”, it means that at least one payment is overdue. You’ll know how many payments are […]