![Couple looking at printed copies of their credit reports trying to understand how credit checks impact them.](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2Fdh3jep0j%2Fproduction%2Fdaffc60e496791d3f9a9133eed447f5c67d64d64-690x461.jpg%3Fw%3D460&w=3840&q=75)
Credit Score Factors
![Couple looking at printed copies of their credit reports trying to understand how credit checks impact them.](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2Fdh3jep0j%2Fproduction%2Fdaffc60e496791d3f9a9133eed447f5c67d64d64-690x461.jpg%3Fw%3D460&w=3840&q=75)
![Image of a sign pointing towards a polling station, where UK residents can exercise their right to vote.](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2Fdh3jep0j%2Fproduction%2Ff7631f3ab6f954627fec954495864d41e898d80c-690x461.jpg%3Fw%3D460&w=3840&q=75)
Who has the right to vote in the UK?
![Young man stressed about having missed a council tax payment and what this means for his credit rating.](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2Fdh3jep0j%2Fproduction%2Fc79598153fe7216279647311d29f213cd5561d75-690x461.jpg%3Fw%3D460&w=3840&q=75)
Does missing a council tax payment affect credit rating?
![Sign pointing towards a polling station in the UK, where some EU citizens also have the right to vote](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2Fdh3jep0j%2Fproduction%2Fd0a05628d7f63f2f55fc436c215c8358b304ecbd-690x461.jpg%3Fw%3D460&w=3840&q=75)
Do EU citizens have the right to vote in the UK?
![Woman looking at her phone, stressed that her bounced direct debit might affect her credit rating.](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2Fdh3jep0j%2Fproduction%2Fcc720790ee656c33190632a77193631a8132d8c8-690x461.jpg%3Fw%3D460&w=3840&q=75)
Do bounced direct debits affect credit rating?
![A couple facing to each other talking about separation with a documents of their joint mortgage in hand.](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2Fdh3jep0j%2Fproduction%2F51b4e020824d2002b4723ba897155b74cd1dff43-690x461.jpg%3Fw%3D460&w=3840&q=75)
What happens if your ex defaults on your joint mortgage?
![A couple moving their stuff in the boxes after rent payments.](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2Fdh3jep0j%2Fproduction%2F3048e06b247e4e8882b7d536b9b13f793b6b06ad-690x461.jpg%3Fw%3D460&w=3840&q=75)
How to show your rent payments on your credit report
![A woman looking at her phone searching for the average credit score where she live.](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2Fdh3jep0j%2Fproduction%2Fb2ff543ae5baf4f451dfefac75284eb58ca06e4f-690x461.jpg%3Fw%3D460&w=3840&q=75)
How to find out the average credit score in your area
![A girl looking at her documents, and trying to figure out how to check her mortgage affordability.](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2Fdh3jep0j%2Fproduction%2Fd06aa97f453bdbddd859b665213eb56ae9a47139-690x461.jpg%3Fw%3D460&w=3840&q=75)
How to check your mortgage affordability
![A woman sitting down in front of her laptop, holding a document and notebook, explaining to her friend about affordability check.](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2Fdh3jep0j%2Fproduction%2F1bdd0e48c12030e35a46dc11b5f53aa6d50e0bcf-690x461.jpg%3Fw%3D460&w=3840&q=75)
What is an affordability check?
![A couple looking at their salary bills and discussing about affordability check.](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2Fdh3jep0j%2Fproduction%2F2a1b8eec99405b2a7c143ac622b2f64dd4649cb9-690x461.jpg%3Fw%3D460&w=3840&q=75)
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.](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2Fdh3jep0j%2Fproduction%2F8abb07e52073a2ceaf96485c1dba1fc444f91af6-690x461.jpg%3Fw%3D460&w=3840&q=75)
How does credit utilisation affect your credit score?
Feel better about your credit score
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