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Credit Score Basics

Credit scores can be a tricky thing to get your head around. To make things easier, check out our tips and guides.

A woman sitting down in front of her laptop, holding a document and notebook, explaining to her friend about affordability check.

What is an affordability check?

Credit Score Factors

A couple looking at their salary bills and discussing about affordability check.

How much do you need to earn to pass an affordability check?

A man holding a credit card and reading about credit utilisation on his laptop.

How does credit utilisation affect your credit score?

Credit Score Factors

A woman with a mortgage broker after applying on a buy-to-let mortgage in the UK.

Does getting a buy-to-let mortgage depend on credit score?

A young woman feeling worried looking at her document after she missed utility payments credit score.

Does failing to make utility payments affect credit score?

A young woman looking very tired waiting for the mortgage pre-approval

Does a mortgage pre-approval affect credit score?

Credit Score Factors

A couple looking at their documents worried about persistent debt.

Does persistent debt affect credit score?

A mom with her kids in front of laptop feeling worried after searching about credit search

How long do searches stay on your credit report?

A couple talking to a bank CS to move a joint account to a single-name account.

How to move from a joint account to a single-name account?

A girl looking very worried and stressed waiting the information if she passes a credit check for a mortgage.

How to know if you passed a credit check for a mortgage

Credit Report

A man looking confused in front of his laptop figuring out how to check credit score with credit karma.

How to check your credit score with Credit Karma

Credit Reference Agencies

An image of a mortgage broker explaining to a man about a minimum credit score for a mortgage in the UK.

What is the minimum credit score for a mortgage in the UK?

Credit Score Factors

Feel better about your credit score

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