FAQs
About TotallyMoney
- Is this a free service?
- Who are TotallyMoney?
- Who can use TotallyMoney?
- How can TotallyMoney provide this service for free?
- Are you regulated?
- Who provides the data for my TotallyMoney free Credit Report?
Your TotallyMoney Account
- Why have I been unable to access my Credit Report?
- I’m a resident of the Channel Islands or The Isle of Man
- How can I amend my personal information?
- How often will I receive email updates?
- What are these monthly searches from TotallyMoney I can see on my Credit Report?
- How can I unsubscribe from email updates?
Charities and Other Help
Credit Reports and Scores
- What is a Credit Score?
- What is a Credit Report?
- Why is my credit score 0 (zero)?
- What is a Notice of Correction and how can I add one?
- How long will it take for my Credit Score to improve?
- Who uses my TotallyMoney Credit Score?
Borrowing Power
- What is Borrowing Power?
- Can lenders appear higher in the results table?
- Why can't you find me at my current address?
- Which Credit Reference Agency do you use?
- What does my likelihood of being accepted mean?
- Does this leave a mark on my Credit Report?
Applying for Credit
- What is credit utilisation?
- What information do lenders use to make a decision about an application?
- Will my Credit Report show that I have been rejected for credit?
- How can I improve my chances of being accepted for credit?
- What happens when I apply for credit?
- Is there a credit blacklist?
Building a better Credit Score
- I have poor credit history, what is the best way to improve my Credit Report?
- Can applying for credit damage my Credit Score?
- Can a loan help me build my Credit Score?
- Can payday loans make it harder for me to get credit?
- What is a Credit Union?
- Can a pre-paid card help me to improve my Credit Score?
Credit Reference Agencies
- Which Credit Reference Agency is used by which lender?
- Is one Credit Reference Agency more reliable than the others?
- Why are Credit Reference Agencies allowed to hold my data?
- Why is my Callcredit report different from my Clearscore/Equifax one?
- Do government bodies look at my credit data?
- Why do Credit Reference Agencies exist?