
Understanding Soft vs. Hard Credit Checks: What’s the Difference?
When applying for credit in the UK, lenders may perform either a soft credit check or a hard credit check—but what’s the difference, and how do they impact your credit score? This guide explains both types of checks, when they’re used, and how they affect your financial profile. [more...]

Bankruptcy and Your Credit Score
Bankruptcy is a legal status for individuals unable to repay their debts. It’s typically only an option if you owe more than £5,000 and is considered a last resort because it comes with fairly serious and ongoing consequences. When you declare bankruptcy, your assets are typically used to pay off the debts you owe. [more...]

Credit Checks for Renters: How Your Credit Score Affects Your Ability to Rent a Home?
Finding a rental property in the UK can be competitive, and landlords often conduct credit checks to assess potential tenants' financial reliability. If you're wondering how your credit score impacts your ability to rent, here’s what you need to know. [more...]

What You Need to Know About Mortgage Credit Score
There are many things to keep in mind when taking a mortgage. But the most important thing is the mortgage credit score. This score basically tells you how reliable you are in repaying the loan. If your score is good, you will easily get a mortgage. [more...]

What is Identity Theft?
If you’re unlucky enough to have your identity stolen and find a fraudster has taken out credit in your name, then your credit score is going to be badly affected, and it could take several months and lots of phone calls to sort it all out. [more...]

Identity Theft Warning Signs
Identity theft appears to be on the rise, with British authorities recording a 4% increase in 2024 compared with 2023. There are however some key things to look out for if you are concerned about the potential for identity theft. [more...]
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