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11 October 2018: We redesigned the home page making it easier to use and clutter-free.We also implemented a new Ban System that bans bad users and robots from the Chat, as well as a new contact us page so you can report issues to us.Managing your finances well and always paying off what you owe in time will give you a good score.Missing payments, as you’d expect, will lower your score.Every time someone looks at your file, it is recorded as a ‘hard’ or ‘soft’ search.Finance companies make hard searches when you apply to them for a credit product, and each hard search remains on your credit report for two years.Credit rating agencies build up files on all of us based on a mix of publicly-available information (such as whether you’re on the Electoral Roll) and data from financial companies about products you have or have had, such as loans and credit cards.
We are also working on a "Report" feature that will let you report bad users easily.
With a higher credit score, it's more likely you'll be able to access more credit card offers, often at better rates.
Check your score for free with Credit Monitor in as little as 3 minutes.
For example, when you put your details into our Eligibility Checker, we look at your file and work out how likely you are to be accepted for a range of deals, based on what we know about various firms’ acceptance criteria.
A ‘pre-approval’ search leaves no trace, so it won’t affect your score.