Credit explained
Your credit rating can affect your chances of borrowing money, but what does your score actually mean? Our guide explains how credit works, how scores are calculated and what the different credit rating bands mean.
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
Creditor vs. debtor - what's the difference?
A debtor is someone who owes money, while a creditor is someone who is owed money. We explain how both work, from personal loans to business finances.
Is 400 a good credit score?
A credit score of 400 is considered low across the UK's main credit reference agencies. We explain what it could mean for borrowing, why your score might be low and how to improve it.
IS 700 a good credit score?
A credit score of 700 can mean different things depending on which credit reference agency you use. We explain how it compares across UK agencies, what it could mean for borrowing and how to improve your rating.
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News & Guides
- What is a credit report?
- What is a debt management plan (DMP)?
- What is credit utilisation?
- What affects your credit score?
- How to dispute errors on your credit report
- What to do if you fail a credit check
- Is 500 a good credit score?
- Soft and hard credit checks explained
- Is 600 a good credit score?
- What is a bad credit score?
- How long do CCJs or bankruptcy remain on my credit file?
- The steps you can take to increase your credit rating
- 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 is a good credit score?
- Debt-to-income ratio explained
- How is your credit score calculated?
- Credit Score Capital of the UK See how your credit score compares to average scores in different parts of the country
