Free Credit Report guides

Credit Report Myths

Do you know your credit fact from your credit fiction? There’s a lot of information on the internet. But, let’s be real for a moment: sometimes, it’s hard to know if what we’re reading is informational gold or just a pile of poo. Luckily, there’s something other than Wikipedia to help. In this quick quiz, …

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The Credit Report Check

There are four main things you should check on your credit report, so here’s a poem about what they are. Why? For fun, and to help you remember. The Credit Report Check Once upon a midnight dreary, you did ponder, weak and weary, Over many an email about your poor score. And so you checked …

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Your Credit Score Explained

Your Credit Score Explained Most of us know we have a credit score, and that a higher score generally means you have a better credit rating. But, if you’ve been looking to have your credit score explained in more detail, you probably haven’t had much luck. Until now. What goes into a credit score and …

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What is a good credit score?

If you were hoping to get a definitive answer, we have to let you know that it’s more complicated than that. A number that could seem like a good credit score with one agency might be a poor credit score with another. We’ve done our best to crack the code, so you don’t have to.

Your credit score range explained

In the UK, there’s no such thing as a universal credit score. The three credit reference agencies — TransUnion, Experian, and Equifax — all use different methods to calculate it, which means it will be different with each one. This guide should clear things up.

What is a credit score?

Understanding different credit terms is sometimes confusing. The important thing to remember is that a credit score is different from a credit rating. In short, a credit rating is an assessment of your creditworthiness; a credit score is a number that reflects this.

What is a credit check?

What is a credit check? Many throw this term around quite often, but do any of us truly know what it means and what it entails? We know it can be a bit confusing, so read on for an explanation of what a credit check is and much more.

My credit report: an introduction

Many people use terms such as “credit data”, “credit file”, “credit report”, and “credit score” interchangeably. While in context most would understand what you mean, they do all mean different things. We’ve prepared this guide to clear up the confusion.

Improving credit: 5 things you need to know

Whether you’re new to credit or simply lost in the sea of information there is on the subject, let’s not pretend understanding it is easy. That’s why we’ve come up with these five credit-improving tips, to set you on your way.

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How to fix a bad credit score

If you haven’t used credit responsibly in the past, your credit score might be a bit out of shape. And if you’re hoping to be accepted for credit in the future, it’s important you think now about how to fix a bad credit score. Here are some tips to help.

Turned down for credit? Here’s what to do

Rejection is never easy — and sometimes, it’s hard to see where exactly you’re going wrong. Here, we look at what you can do if you’re often turned down for credit, so you can see what YES feels like.

8 secrets to a good credit rating

In many ways, a good relationship is like a good credit rating: it’s a long-term commitment, it takes work, and sometimes it’ll get on your nerves.

But, if you’re willing to put in the time and effort, you could make something great. Here’s how to do it.

How to build a good credit score

There’s a lot of advice out there on how to build credit. But with so much information about, it can be hard to find what’s useful for you in all the deluge. This guide looks at what to do if you’re new to credit, and what to do if you’ve managed credit poorly in the past.

Credit card fraud

With more of us using contactless technology and transacting online, the potential for someone else to spend in your name is higher than ever. That’s why we’ve put together this guide: to let you know what to do if you’re a victim of credit card fraud, and to help you take steps so it doesn’t happen again.

Checking Your Credit Report

You might think: checking your credit report — why bother? The truth is, checking your credit report could be vital for keeping or getting your credit rating in good shape. But what should you be checking for? This guide clears that up.

Bad credit history and rating? Here’s what to do

Some may think: I don’t need credit, so why does it matter if I have a bad credit history and rating? The truth is, even if you don’t need credit right now, life can take an unexpected twist at any time. And in such a situation, it’s good to know you have credit available should you need it.

Improve Your Credit Score

A good credit rating can help you secure better deals, cheaper interest rates and save you £1000s of money over your lifetime.

Understanding Your Credit Score

It’s a great mystery to some of us, but understanding your credit score can give you a better idea of what lenders are looking for and increase your chances of being accepted.

What is a credit report

Don’t worry — the definition of “credit report” isn’t as scary as the name suggests. In this guide, we look at exactly what a credit report is, and explain how you can get one for free (hint: TotallyMoney has one you can check as many times as you like).