Credit score and report

The better your credit score, the more likely you are to get the best deals and interest rates. Here you can learn what your credit score and report are, where they come from and how you can improve your score.

Need to know

  • credit score & report

    What is a credit score?

    Credit scoring is tricky to understand at the best of times, but with this article (the first in a series of three), you'll be best placed to know how a credit score is put together and what your score means for you.

    10 min read

  • credit score & report

    What is a credit report?

    Our guide to understanding what a credit report is and what you need to know about it.

    7 min read

  • credit score & report

    Factors that affect your credit score

    Want to take control of your credit score? Here’s everything you need to know about the factors that count.

    12 min read

  • credit score & report

    How your credit report is put together

    Your credit report contains all of your financial information, but how exactly is it compiled?

    6 min read

  • credit score & report

    The reasons why you might not have a credit score

    How do credit reference agencies create credit reports? And why don’t you have a credit score?

    6 min read

  • credit score & report

    The most common credit report problems (and how to fix them)

    Found incorrect or missing information on your credit report? Here’s what might have happened and what you can do to set things right

    9 min read

  • credit score & report

    How often are my credit score and report updated?

    Your credit report and score are put together with data taken from current and previous lenders. Since lenders send this information to Equifax every month, the data on the report page of your ClearScore is updated once a month

    5 min read

  • credit score & report

    How does your address affect your credit score?

    Your address can have an impact on your credit score, but not in the way you might think

    7 min read

    • Editor's picks

    credit score & report

    7 reasons why your credit score has gone down

    We explore seven common reasons why your credit score might have dropped and what you can do to pick it back up again.

    9 min read

    credit score & report

    4 reasons why your credit score hasn’t changed

    7 min read

    credit score & report

    How to take control of your credit score

    10 min read

    credit score & report

    What is the dark web? Here’s what you need to know

    5 min read

    What you're reading about

    credit score & report

    Understanding credit checks: hard searches and soft searches

    6 min read

    credit score & report

    Credit myths: debunked

    We clarify some of the most common misconceptions about credit scores and reports.

    6 min read

    credit score & report

    What is the electoral roll and how can it help my credit score?

    We look at what the electoral roll is, and why it’s included in your credit report.

    3 min read

    credit score & report

    Take charge of your credit report with our 5 minute monthly checklist

    If you only have a few minutes a month to check your credit report, we’ve got a quick cheat sheet on the key things to keep an eye on in the run up to Christmas.

    9 min read

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