Credit Report and Credit Score

If you're seeing incorrect information on your credit report, the best thing to do is to raise a dispute with TransUnion so that it can be investigate...

Accounts absorbed by your bankruptcy will not be fully removed from your credit report until 6 years has passed from the date that they were closed. I...

TotallyMoney works with TransUnion, one of the main credit reference agencies in the UK, to provide you with your credit report. TransUnion matches th...

Your CCJ will stay on the register for up to six years from the date of judgment. Since your credit report is created using the same information, it w...

If there’s an incorrect CCJ on your report, the first thing you need to do is get in touch with the court that lists your CCJ. This is because TransUn...

If you’re seeing missed payments on your report, it is usually because you previously defaulted on your original agreement with the lender. These miss...

If you have looked at your Credit insights, you may have seen credit usage (sometimes called credit utilisation) and wonder what this is. Credit usage...

You can check your status on the electoral register by visiting the ‘Profile’ section on your credit report. You should then see the area of the elect...

If you’ve missed one or more payments it will show in your credit report. You may see a default on an account if you’ve missed multiple payments. If y...

From July to December, the Local Council may not update the electoral register with any of the credit reference agencies whilst they complete their ‘a...

If you’ve seen searches on your credit report from us that you don’t recognise, this could be because: You’ve created an account with us to try to acc...

Missed payments can happen. The sooner you take steps to address it, the sooner you can prevent the situation getting worse. If you need financial sup...

The account balances on your credit report are your statement balances. This means it reflects the amount on your latest bill issued by your lender, n...

Currently, we are unable to offer the option of printing or downloading your credit report. However, you can request a statutory report from any of th...

A Notice of Correction is a note that can be added to your credit report to provide further context and explain why the information may be showing. Fo...

We provide a platform where you can view your TransUnion credit report. It can take up to 6-8 weeks for your lenders to update TransUnion of any new i...

If you have raised a dispute and it has been unsuccessful, don’t worry, there are still steps you can take to have the information removed from your c...

It usually takes around 6-8 weeks for TransUnion to receive updated information from lenders and public bodies. This means you may notice a delay in n...

If you have recently changed your address, we may not be able to locate your TransUnion credit report or Borrowing Power if your lenders haven’t updat...

When you receive your credit report, you should go through all the details ensuring everything is correct, as any information that is incorrect could ...

If you have tried to access your credit report but have been told that ‘we have been unable to provide you with your credit report as we don’t have en...

Credit reports are compiled from the data collected by credit reference agencies. The UK's 3 main credit reference agencies (Experian, Equifax & Trans...

When you view your credit report, you should go through all your details to check that everything is correct, as any inaccurate information could be i...

When looking to improve your Credit Score there are a few things that can help to improve how lenders may view you. We have included a couple examples...

If you login to your account and see your credit showing as 0, this indicated that there has been a problem retrieving your credit report from TransUn...

There are three main credit reference agencies — TransUnion, Experian, and Equifax — and each credit reference agency uses different methods and score...

Your credit score isn’t a static measurement and can change on a regular basis. With TotallyMoney, your score is live and updates each day you login t...

There are three main companies that collect credit data and create credit reports and scores, these are called Credit Reference Agencies (CRAs), they ...

Credit score Your credit score is a number, provided by TransUnion, that reflects the information in your credit report and is a perception of how len...

The short answer is no, applications for credit will not harm your TransUnion credit score, however, it may impact your eligibility for products. When...

TotallyMoney provides a platform where you can view your live TransUnion score. Each time you log in to your TotallyMoney account, we request your lat...

A credit score provides an indication of how credit reference agencies believe lenders are likely to view you. As a rule, you can assume that the high...

Major high-street lenders (such as Barclays and Lloyds) are likely to share your account data with all three credit reference agencies. However, small...

Credit reference agencies act like data libraries, receiving information from your lenders and the public bodies (such as the electoral register). In ...

When applying for credit products, you will be asked to agree to the lenders Terms and Conditions. Within these Terms and Conditions, the lender will ...

There are three main credit reference agencies (CRAs) in the UK - TransUnion, Experian and Equifax. They collect information about you from your finan...

To find our Credit assistant page on our app, log on and: Visit our Overview tab Under the Credit insights section, click 'Total credit balance' Here ...

Credit Assistant looks at your credit data over the last 6 years, so closed accounts can still appear if they were open during the last 6 years. Once ...

Your credit report and the credit insights in TotallyMoney show the “statement balance” found in the regular statements you get from your lender. This...

You won’t see any immediate effect on your TransUnion credit score. However, the more the data becomes more widely used, you could see some changes as...

The number of searches carried out when you make a Buy Now, Pay Later (BNPL) purchase will depend on the provider and how long ago their most recent s...

Your credit score won’t be affected at first but missed payments may be visible to lenders and could affect your ability to borrow, so it’s important ...

TransUnion (the credit reference agency we partner with) is showing Buy Now, Pay Later data within your credit report to support you in managing your ...

Buy Now, Pay Later or ‘BNPL’ is a type of finance that allows you to make purchases on credit and pay for them at a future date, often without any int...