Credit Rating Guides By money.co.uk

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Why your credit record matters and how to improve it

Your credit record shows lenders how you have borrowed in the past and affects if you are accepted for mortgages, credit cards, loans and more. Here is what they show and how to check and improve yours.

How many credit applications is too many?

Various things can affect your credit score, including how many times you apply for credit. But how many applications is too many?

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.

What should I do if my credit application is declined?

Being rejected for credit can be extremely disheartening, but there are things you can do to remedy the situation - we look at what to if your application is turned down.

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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?

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.

What your credit report really tells lenders

Your credit report reveals more about you than you think. Find out exactly what the banks know about your finances and your lifestyle.

10 steps to improve your credit rating

Looking to improve your credit rating? We explain how in 10 simple steps.

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.

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

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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 Castle, Cecily Hill, Cirencester, Gloucestershire, GL7 2EF. We are classed as a credit broker for consumer credit, not a lender.

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