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Where Does My Credit Report Come From?

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October 9, 2019 by   Zoe Stabler

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 […]

Your Lender Report: Credit Cards

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March 7, 2019 by   Zoe Stabler

One of the six lender factors on your dashboard is centred around any credit cards you hold. This is split into four sections: credit card […]

What is Credit Activity?

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by   Zoe Stabler

One of the six lender factors on your report is your Credit Activity. This is an overview of the total accounts you hold, your credit […]

Credit Score vs Lender Score: Avoid The Trap

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May 21, 2018 by   Claire Ben Chorin

We’ll start with the bad news. You might think that checking your credit score is the first step in borrowing money. If so, you’re mistaken. […]

Managing Credit: Honestly, Does My Credit File Matter?

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May 18, 2018 by   Claire Ben Chorin

You may not realise it, but managing credit is a key life skill. You may be asking, “Does my credit file matter? And what value […]

What’s A Credibble Score? Now You Can See Your Creditworthiness

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May 16, 2018 by   Claire Ben Chorin

If you are applying for a credit card or loan, or if you ever have in the past, you will have heard of a credit […]

Why Your Payment History Really Matters To Lenders

When you apply for credit, such as a credit card, loan or mortgage, lenders look at your credit file. But until now, it’s been hard […]

Why does stability matter?

Your residential and employment stability are key factors in borrowing money. Lenders are jittery about instability, as it brings uncertainty and adds greater risk to […]

Loan Affordability Checks: How To Pass The Test

Affordability is important. Lenders run loan affordability checks when assessing a credit application, which is why it’s a factor in your Credit Report. To put […]

What Is A Hard Search and Why Should You Care?

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May 15, 2018 by   Claire Ben Chorin

Borrowing money is hardly known for being a fun process. It doesn’t help when lenders and credit reference agencies use confusing financial terms. If you’ve […]