Since I thinkhouse prices are too high, the main reason to do so would be to lock-in a cheap mortgage rate. However only squeaky-clean customers get the best deals these days, hence I wanted to know my credit score in advance and take remedial action if I need to. Signing up to the...
How can I check my credit score? You can check your credit score with the three credit reference agencies that operate in the UK – Equifax, Experian and TransUnion. These agencies calculate scores in their own way – for example, an ‘excellent’ credit score looks slightly different with ea...
Don’t apply for too much credit in a short space of time. Pay your bills on time (set up a direct debit to avoid missed payments). Don’t have joint accounts with someone who has a bad credit score, because you’ll become financially linked to them. When you do apply for credit...
Don’t close older credit cards.Your credit report includes information on how long you’ve had loans, so your credit score usually takes into account how long you’ve been using credit. Keep older credit cards open—making at least one purchase on them every once in a while—and then pay...
Check your credit score for free, with no impact on your credit file. Check Your Credit Score Money worries With the rising cost of living, it's natural to worry about your money. We’re here to help. Help with your finances Help and guidance ...
Credit cards could give you a cash advance for big purchases that you pay back later. But how do credit cards work? Find out in this helpful NatWest guide.
A credit check is sometimes required when you buy a mobile phone or SIM card in the UK. Find out how credit checks work and discover 'no credit check' deals.
Building your credit score could help you to access credit when you need it in future. How do credit scores work? There are 3 main credit reference agencies in the UK. Each collects information about you from public records, lenders and other service providers, which helps them to create a...
2. Take steps to build up your credit score Maybe your credit score is low, or you don’t have a credit score at all. This could be because there isn’t enough information in your credit file to allow firms to check your identity and how you’ve managed credit in the past. ...
But how do you navigate a credit card statement? Our easy-to-read guide has key points about reading your credit card statement. You can learn how to locate transactions, payments, your credit score, and more. Using a Discover® credit card statement, we’ll also help you decode the ter...