FAQs
Energy
- How do I get a smart meter installed in my home?
- Why can’t I get a smart meter yet?
- Are smart meters free?
- What is a smart meter and how does it work?
- Can I switch energy tariffs if I’m renting?
- Can I switch energy tariffs if I’m on a prepayment meter?
Your TotallyMoney Account
- Why have I been unable to access my Credit Report?
- I didn’t ask to reset my password, so why have I got a password reset email?
- How can I amend my personal information?
- How often will I receive email updates?
- Can I use the same email address for multiple accounts?
- What information do I have to provide?
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?
Credit Reports
- What is a Credit Report?
- I’ve seen TotallyMoney credit searches on my report, but I don’t have an account
- Why am I seeing missed payments when I’ve been paying my bills on time?
- My dispute was unsuccessful – what do I do next?
- What can I do if there’s incorrect information on my credit report?
- Where can I find more information on my CCJ?
Credit Scores
- What is a Credit Score?
- Why has my score changed?
- What's the best way to build a better Credit Score?
- How long will it take for my Credit Score to improve?
- What could cause my Credit Score to decrease?
- Can applying for credit damage my Credit Score?
Borrowing Power
- What is Borrowing Power?
- How is my Borrowing Power calculated?
- Why can't you calculate my Borrowing Power?
- Why has my Borrowing Power changed?
- Does this affect my Credit Score?
- Does this leave a mark on my Credit Report?
Applying for Credit
- What is credit utilisation?
- Why not just apply to the card company directly?
- What happens when I apply for credit?
- How can I improve my chances of being accepted for credit?
- What information do lenders use to make a decision about an application?
- Will my Credit Report show that I have been rejected for credit?
Credit Reference Agencies
- Why is my TransUnion report different from my Clearscore/Equifax one?
- What is a Credit Reference Agency?
- Which Credit Reference Agency do you use?
- Who is TransUnion?
- Which Credit Reference Agency is used by which lender?
- Is one Credit Reference Agency more reliable than the others?