Credit rating guides

Credit ratings play an important role in personal finance. Our guides can help you take the necessary steps to check, improve and protect your credit rating.

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How long does a default stay on your credit report

If you miss repayments on a credit card or loan, you could end up with a default. This marker goes on your credit file and impacts your score. Here’s everything you need to know.

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Why is my credit score going down?

There are lots of things that can cause a credit score to drop. Here we explain the most common reasons and how to rectify them.

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What is a credit record?

It is a record of your financial history, including details of when you have borrowed money and the repayments you have made. Here is what else it shows.

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How to check your credit rating

Stay on top of your finances and prevent fraud simply by checking your credit rating - we show you how.

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How to improve your credit score

You can take these steps to improve your credit score and increase your chances of getting accepted for credit in the future.

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