1. Home
  2. Guides
  3. Credit rating
Credit report

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.
Man drinking a drink on laptop

How many credit applications is too many?

There is no limit to the number of credit applications you can make, but not all of them will get accepted. Here is what you need to know before making multiple applications.
man working at home writing

The new way to rebuild your credit rating?

It's a classic Catch 22: how do you build a credit history if you can't get access to credit? Surprisingly a prepaid card could be the solution to your credit history problems.
Man and woman on sofa looking at tablet

What should I do if my credit application is declined

Here is how to deal with a declined credit application, and what you can do to improve your chances next time.
couple talking through document with advisor

What is a good credit score and how can I get one fast?

Your credit score is often seen as the key that could unlock access to better credit deals, mortgage approvals and more. But what is your credit score? Who decides it? And what are the factors that most affect it?
unhappy woman on computer

Why did my application for credit get turned down?

Being turned down for credit is inconvenient and worrying, especially if you don't know why it's happened. Find out why your application might have been rejected by the bank and what you can do about it.
Couple discussing finances with advisor

What your credit record really tells lenders

Your credit record shows a lender enough information to help them decide if you can get credit with them or not. Here is what a lender will check.
happy couple on sofa with laptop

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.
Older Man On Phone

How does credit scoring work?

Your credit score affects any application you make for credit from loans to mortgages to credit cards - but how exactly is your score worked out? We take a look at who decides your credit score and what you can do about it.
Man at desk with file of paperwork

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.
Why check with us?

We don't sell your data

We don't sell your personal information, in fact you can use our site without giving it to us. If you do share your details with us, we promise to keep them safe.

We check out every company we list

Our data experts check the companies we list are legit and we only add them to our comparisons when we're happy they've satisfied our screening.

We're a team of money experts

We're totally passionate about giving you the most useful and up to date financial information, without any fancy gimmicks.

We use cookies to improve our service and allow us and third parties to tailor the ads you see on money.co.uk and other websites. By continuing you agree to our use of cookies. Find out more.

OK, I accept

Our website is completely free for you to use but we may receive a commission from some of the companies we link to on the site. How money.co.uk works.

money.co.uk is a trading name of Dot Zinc Limited, registered in England (4093922) and authorised and regulated by the Financial Conduct Authority (415689). Our registered address is: The Cooperage, 5 Copper Row, London, England, SE1 2LH. We are classed as a credit broker for consumer credit, not a lender.

Copyright © Dot Zinc Limited 2020. All rights reserved.