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What affects my score?
Your credit score reflects your ability to take out credit, so it's important to know how it works.
Learn moreWhy have I been refused credit?
Being refused credit can be frustrating, especially when you don't know why you've been declined.
Learn more5 tips for building your credit history
Learn how to start building your credit history from scratch, even if you're new to credit.
Learn moreWho can see my credit report?
Find out what's in your credit report, who can access it, and under what circumstances.
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Useful tips
Checking your eligibility rating can save you time and effort. Find out how.
Find out how late payments can affect your score, and how to deal with them.
Learn how a credit score is calculated and what factors make it ‘good'.
Find out how a CCJ can affect your credit score, and what to do if you have one.
Joint bank account? Buying a home together? Here’s what you need to know first.
Learn about the difference between hard checks and soft checks, and how they impact your score.
Learn how CRAs, like Experian, help lenders and other companies access your data.
Find out what to do if you move home.
Want to help someone borrow money? Get the facts about being a guarantor.
Wondering if your job can affect your report – and vice versa? Get the facts here.
Here’s what to expect if you’ve been made bankrupt, and how to rebuild your credit profile.
Registering to vote can improve your score – find out why and how to do it.
Defaulted on your account? Find out how it may affect your score, and for how long.
Learn how an IVA works, what to expect, and how it may affect your credit rating.
Find out what a Debt Relief Order is, how it can affect your score, and what to expect.
Learn how a Debt Management Plan works, and how it can help you clear debt.
Find out how we can help with your credit report following your gender transition.
If you want a car but don’t have the money upfront to buy one, a car loan could be the answer. Find out what your options are in our guide.
Here we look at how to improve your credit data, understand your accounts and get better offers from lenders.