Learn which UK credit report to prioritise before a mortgage, after a decline or when accounts differ across Experian, Equifax and TransUnion.
Check bankruptcy reporting dates, discharge and annulment evidence, then request and verify corrections to inaccurate credit records.
An Individual Voluntary Arrangement (IVA) can be a lifeline if you’re struggling with debt, but once it’s over, most people want it off their credit
Understand the difference between removing a CCJ, recording payment and correcting an error, with practical steps and official sources for England and Wales.
Understand default removal, settlement and reporting errors, with a practical correction checklist and guidance on unresolved complaints.
Check a disputed missed-payment entry, prepare supporting evidence and understand the difference between correction, repayment and an explanatory note.
UK credit-report guide How to Get Your UK Credit Reports for Free You can request a free statutory credit report from each of the three
Understand how Checkmyfile combines Experian, Equifax and TransUnion information, when it may help before a mortgage and when free reports are enough.
A bad credit score depends on the agency and the scale it uses. Compare current UK score bands, understand what may sit behind a low score and decide what to check before applying for a mortgage.
There is no single UK credit-score number that secures a mortgage. This guide explains the difference between consumer scores, credit reports and a lender’s assessment, with practical checks before you apply.
