Guides

  • Credit Cards

    Why use a purchase card?

    Let’s face it: sometimes, we all have things we need to buy. And sometimes, we wonder how we’re going to fund those things. Not many people know it’s…
  • Free Credit Report

    How to check your credit score

    How do you check your credit score? Well, a good place to start is with your TotallyMoney Free Credi...

  • Free Credit Report

    What is a good credit score?

    What is a good credit score? You’re not going to like this: there’s no simple number to indicate what a good credit score is. That’s because the three…
  • Free Credit Report

    Your credit score range explained

    Your credit score range explained In the UK, there’s no such thing as a universal credit score. The three credit reference agencies — TransUnion…
  • Free Credit Report

    What is a credit score?

    What is a credit score? A credit score is a number given to you by a credit reference agency. There are three credit reference agencies in the UK…
  • Free Credit Report

    What is a credit check?

    What is a credit check? It’s best to start with your credit file when it comes to understanding credit checks. This is the information the three…
  • Free Credit Report

    My credit report: an introduction

    What is my credit report? Before we get into what a credit report is, it’s useful to know the difference between the different credit terms. It starts…
  • Free Credit Report

    Improving credit: 5 things you need to know

    1. Improving credit starts with your Free Credit Report If improving your credit is on your mind, your Free Credit Report from TotallyMoney will let…
  • Free Credit Report

    How to fix a bad credit score

    How to start fixing a bad credit score First things first: to fix a bad credit score, you need to know what your credit score is. A good way to find…
  • Free Credit Report

    Turned down for credit? Here’s what to do

    Stop applying for credit If you’ve been turned down for a credit a lot, it’s important you stop applying. In fact, stop right now. Thank you very much…
  • Free Credit Report

    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…
  • Free Credit Report

    How to build a good credit score

    Just starting out? Here’s how to build credit Not to side with lenders (we’re always on your side, after all), but they’re in a bit of a tricky…
  • Free Credit Report

    Credit card fraud

    Checking your credit report can help you see if you’re a victim of credit card fraud According to the Office of National Statistics, there were some…
  • Free Credit Report

    Checking Your Credit Report

    Why checking your credit report is important If you want to improve or maintain your credit rating — or if you’re looking to get the best deals…
  • Free Credit Report

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

    What causes a bad credit history and rating? Some things that damage your credit rating are more well known than others, such as missed or late…
  • Credit Cards

    How to Reclaim Credit Card Charges

    What Charges Can You Face? Aside from the interest charges you pay if you don't clear your balance in full each month there are two fees that you may…
  • Credit Cards

    How a Travel Credit Card Can Save You Money Abroad

    Why You Should Use a Credit Card Abroad There is simply no better way to spend when you are abroad than with a credit card. Here are five reasons why…
  • Mortgages

    Find Out About Fixed-Rate Mortgages

    What is a Fixed-Rate Mortgage? A fixed-rate mortgages are simply a mortgage where the interest rate stays the same for a set period, usually between…
  • Mortgages

    Is a Tracker Mortgage Right for You?

    What is a Tracker Mortgage? The interest rate on a tracker mortgage is pegged to the Bank of England base rate. So, when the base rate moves so will…
  • Loans

    A Beginner's Guide to Loans

    Personal Loans Personal loans are usually offered by the larger banks. You can use them to borrow between £1,000 to £25,000. They tend to have…