Questionnaires and Faqs

Get answers to common credit rating questions and understand how agencies assess your financial profile. Our articles explain what affects your score and how to protect yourself from fraud.

Credit Applications Q&A

Get answers to common questions about credit applications and why lenders turn down requests for new credit.

Take Our Credit Rating Questionnaire

See how lenders view your creditworthiness by answering questions about your age, housing, credit cards and payment habits.

The Facts: Fighting Fraud

Fraud is increasing in the UK—find out who's at highest risk and how to protect yourself.

The Facts: What Lowers Your Credit Rating

Late payments, credit inquiries and shared accounts are the main culprits that can damage your credit score fast.

The Facts: What Rating Agencies Do and Don't Know

Rating agencies can see your payment history and debt use, but they can't access criminal records, old fines, or defaults older than six years.

The Questions Credit Rating Agencies Ask

Credit rating agencies ask for your name, date of birth, address history and other basic details to compile an accurate report about you.

What Kind of Credit Profile Do I Have?

See what type of borrower you are and get practical advice for managing your debts and finances.

Who Is Checking Up on Your Credit Score?

Your credit score affects more than just loans, landlords, insurers and employers all check it, and a poor score can seriously limit your options.

Your Credit Rating Questions Answered

How credit scores work and what you can do to improve yours so lenders see you as less risky.