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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 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.
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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.
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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.
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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?
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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.
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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.
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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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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.
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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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