Credit scores
Understand score scales, what the numbers mean and why a score is not a lending decision.
Start here
Understanding credit scores
What a score tells you, current provider scales and why it isn’t a lending decision.
More about credit scores
Credit scores versus credit reports
Your report is the record; your score is a summary. Understand the difference before you check either.
Credit utilisation, explained
Calculate the share of your available revolving credit that you are using and understand its limits.
Soft searches versus hard searches
Which checks lenders can see, how long hard searches stay on your report and how to apply without leaving unnecessary footprints.
Credit-score myths, checked
Checking your score, carrying debt and the “credit blacklist”: separate common myths from facts.