Featured Articles

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Does car finance improve your credit score?

Explore how having a car on finance can build and improve your credit score and how it might damage your credit rating if you’re not careful.

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Credit Score

Does a mortgage holiday affect your credit rating?

Does a mortgage holiday affect your credit rating? Can it impact your ability to borrow? And what are the alternatives? Here, we explain all.

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Credit Score

Why is my credit score low? Top 10 reasons explained

Wondering why your credit score is low? Read Checkmyfile's guide to understand causes, get tips, and improve your score.

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Searches

What is a tenant credit check?

Landlords use tenant credit checks to verify your identity and to help determine if you’ll be a good tenant. Here’s what to expect from these checks.

Credit Score

What credit score is needed to buy a house?

Wondering what credit score you need to buy a house? Learn if you can get a mortgage with poor credit and how to improve your score with Checkmyfile.

All Articles

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Affordability

Does a salary sacrifice affect your credit score?

Does salary sacrifice affect credit score? Learn how salary sacrifice schemes and salary finance could influence lender affordability checks.

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Affordability

The rising cost of food essentials: how foodflation is stretching UK household budgets

Why food essentials are becoming harder to afford

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Credit Score

What credit score is needed to buy a car

Find out what credit score is needed to buy a car in the UK and for car finance. Learn your options and how you could improve approval chances.

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Court Information

How bankruptcy affects your credit score

Learn how bankruptcy affects your credit score and how soon it can improve in the UK. Steps to rebuild your credit score after bankruptcy.

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Credit

What credit score do I need for a personal loan?

Learn typical UK lender requirements and how to get a personal loan with low credit.

Mortgage

Understanding buy-to-let and residential mortgages

Learn the difference between buy-to-let and residential mortgages, how they work, who can get one, and what you need to qualify.

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Regulations

The potential changes coming to APR and credit advertising

Learn why the FCA is reviewing whether APRs still work well for consumers, and how it could influence changes to credit advertising.

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Credit Score

Does being self employed affect credit score?

Does being self-employed affect your credit score? Learn how lenders assess credit health and how to improve it.

Credit Score

How to improve your credit score without a credit card

Discover how to improve your credit score without a credit card, using rent reporting and good payment habits.

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Payments & Borrowing

Can you pay rent with a credit card?

If your landlord is willing, you can pay your rent with a credit card. Learn more about the potential benefits and drawbacks of doing so.

Credit Score

Does car finance improve your credit score?

Explore how having a car on finance can build and improve your credit score and how it might damage your credit rating if you’re not careful.

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Payments & Borrowing

Does PayPal Pay in 3 affect my credit score?

Learn how Pay in 3 could impact your credit rating and what you need to know before applying.