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Credit Score Basics

Credit scores can be a tricky thing to get your head around. To make things easier, check out our tips and guides.

Self-employed couple signing a mortgage application form and inquiring what happens if they don't have an SA302 form.

What SA302 substitute can you use for a mortgage?

Credit Building Tips

Man holding a paper copy of his credit report showing a CIFAS marker.

Does a CIFAS marker affect credit score?

Young woman looking at her computer, afraid of identity fraud and considering a Cifas protective marker.

How does CIFAS work?

Young woman in front of a laptop and a stack of unpaid bills, worried about being in default.

What does a default mean?

Credit Score Repair

A stack of P60 end of year certificate forms.

What is a P60?

A photo of a P45 document.

What is a P45?

Girl checking her own credit report and score on an iPhone.

How does a soft credit check work?

Credit Report

Woman searching about credit reference agencies on her laptop.

What is a credit reference agency?

Credit Reference Agencies

Couple looking at printed copies of their credit reports trying to understand how credit checks impact them.

Why does a credit check affect score?

18 year old looking at her phone trying to understand what her credit score is.

What is your credit score when you turn 18?

Woman looking at her phone, stressed that her bounced direct debit might affect her credit rating.

Do bounced direct debits affect credit rating?

HMRC sign on the HMRC building.

Can HMRC look at your credit file?

Credit Report

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Terms apply. Results may vary. Improvements to your credit score are not guaranteed. Wollit Credit Builder plans are unregulated.