What is credit utilisation ratio?
Your credit utilisation ratio affects your credit score. Our guide explains how it's worked out and what ratio will help your credit rating
Credit score blog
Credit Score guides
Find out more about Credit Score and the ways it can help you improve your credit score.
Our top 4 guides and articles
What is a hard credit check?
Our guide explains what a hard credit check is, how it differs from a soft check, how long it stays on your file and other key questions you might have.
What affects your credit score?
Your past financial behavior is a crucial factor in determining your credit score - but other factors affect your credit report too.
Soft and hard credit checks explained
Our guides explains the difference between hard credit checks and soft credit checks and how best to protect your credit score when applying for a credit card or loan
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News & Guides
- How to improve your credit score Lenders look at your credit score to see how reliable you’ve been with credit in the past. Our guide coves how to build and improve your score – so you’ll have access to a wider range of cards, loans and mortgages
- Creditor vs. debtor - what's the difference? What is a creditor? What a debtor? Financial terms can sometimes be confusing. Our guide explains the difference
- Rejected for credit Being turned down for credit can stop you getting a mortgage, loan, credit card and even a bank account or mobile phone contract. Our guide looks at why it might happen and what you can do about it
- How to dispute errors on your credit report Are there mistakes on your credit report? Our guide takes you through the process of disputing errors on your credit file….
- What is a debt management plan (DMP)? Get the inside line on Debt Management Plans (DMPs) and see if they could help you get on top of your debts.
- What is a bad credit score? Your credit score has a major impact on your ability to borrow from lenders. But what is a bad credit score and how is it affecting you? Understanding your credit rating is the first step to improving it
- Debt-to-income ratio explained What does debt-to-income ratio mean? How do lenders use it to make decisions on your credit-worthiness? And how you improve yours? Read on and we'll fill you in.
- Credit explained Credit can be confusing; our guide takes a deep dive into how credit scores are calculated. We also explain the bandings across the different credit reference agencies so you can make sense of your score.
- IS 700 a good credit score? MoneySuperMarket explains what your borrowing options are if you have 700 credit score.
- How Long Do CCJs or Bankruptcy Remain On My Credit File? If you’re subject to a county court judgement (CCJ), individual voluntary arrangement (IVA) or have been declared bankrupt, removing such details from your credit file can take time. Read on and we’ll explain what you can do to ensure you keep access to credit if you have a CCJ, and how CCJs affect your credit rating.
- Is 600 a good credit score? MoneySuperMarket explains what your borrowing options are if you have 600 credit score.
- What is a credit report? A good credit score can help you get better deals on loans and mortgages. But what exactly is a credit report? And how does it work?
- Is 400 a good credit score? MoneySuperMarket explains what your borrowing options are if you have 400 credit score.
- Is 500 a good credit score? MoneySuperMarket explains what your borrowing options are if you have 500 credit score.
- How is your credit score calculated? Baffled by your credit rating? Here’s the lowdown on how it’s worked out
- What is a good credit score? A good credit score usually means lenders will offer you better deals and lower interest rates. But what is a good score and how can you improve yours?
- Credit Score Capital of the UK See how your credit score compares to average scores in different parts of the country
- 6 common credit score myths – busted!
Based on Van Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for Comprehensive covertype.
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Accurate as of 09 December 2025.