Credit

What is good credit?

M +2

9 articles in this collection
Written by Sophia Guy-White, Evie, Mari-Liis Kanter and 2 others

What is a credit score?

A credit score shows how you’ve managed money in the past. It’s made up of things like your debts, store cards, bill payments, and loans.

Written by Alison
Updated over a week ago

What's the difference between a hard and soft credit check?

Soft credit checks aren't visible to other companies and won’t impact your score. Hard checks are visible and may lower your credit score.

Written by Sophia Guy-White
Updated over a week ago

What does a credit search tell us?

Why do we see a different credit score to you?

Written by Millie
Updated over a week ago

How can I get my credit score ready for my mortgage application?

There are a few things you can do to get your credit file mortgage ready.

Written by Evie
Updated over a week ago

Bad credit?

Can I buy with bad credit?

We require all applicants to have at least a "good" credit score.

Written by Sophia Guy-White
Updated over a week ago

I have a default, can I still get a mortgage with you?

We may be able to consider a default, we will need to know some more information surrounding this.

Written by Sophia Guy-White
Updated over a week ago

What if I've recently cleared a default or IVA?

We would be unable to accept if you have ever entered into an IVA or had a default greater than £100 cleared less than three years ago.

Written by Sophia Guy-White
Updated over a week ago

What is considered adverse credit?

Adverse credit is when you have historical or current behaviour on your credit file that drags down your credit score.

Written by Mari-Liis Kanter
Updated over a week ago

How can I improve my credit score?

You can improve your credit score by following these steps.

Written by Sophia Guy-White
Updated over a week ago