A credit reference is used by lenders to determine your creditworthiness. You might need a credit reference in a variety of circumstances, like when applying for a credit card, renting an apartment or ...

Your credit score can influence everything from the phone you use right through to the home you live in – so it’s worthy of some care and attention. We explain how credit scoring works, why it matters ...

Your credit score is a number that illustrates how you’ve managed repayments to lenders and paying bills to other organisations in the past. When you apply for credit, a lender usually calculates your ...