CLEAR, PRACTICAL GUIDANCE
Credit scores
Understand score scales, what the numbers mean and why a score is not a lending decision.
Credit scores
Understanding credit scores
What a UK credit score tells you, why scores differ and how lenders make their own decisions.
4 min read
Credit scoresCredit scores versus credit reports
Your report is the record; your score is a summary. Understand the difference before you check either.
3 min read
Credit scoresCredit utilisation, explained
Calculate the share of your available revolving credit that you are using and understand its limits.
3 min read
Credit scoresSoft searches versus hard searches
Know which checks are visible to lenders and why checking your own report is different from applying.
3 min read
Credit scoresCredit-score myths, checked
Checking your score, carrying debt and the “credit blacklist”: separate common myths from facts.
3 min read