Credit scores

What is measured, what moves a score, and what nothing can move quickly.

Everything here is written for the United Kingdom. Terminology, protection limits and regulators differ between markets, so a guide from another country will not transfer cleanly.

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Credit Utilisation: What It Is and How to Lower It
Credit utilisation is how much of your available credit you are using. It is one of the fastest-moving things on a UK credit file.
Updated 25 August 2026 · 3 min read
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How to Improve Your Credit Score in the UK
The steps that genuinely move a UK credit file, in the order worth doing them — starting with the free one most people have not done.
Updated 25 August 2026 · 4 min read
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What Is a Credit Score in the UK?
UK credit scores work differently from the US. Lenders do not see the number the agencies show you — here is what they actually use.
Updated 25 August 2026 · 3 min read