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  1. TotallyMoney
  2. FAQs
  3. Credit Report and Credit Score

Credit Report and Credit Score

Understanding your credit file as well as TransUnion, the CRA we work with

Buy Now, Pay Later

  • What is Buy Now, Pay Later? 
  • Why is my Buy Now, Pay Later information showing on my credit report?
  • When will this information appear on my credit report? 
  • How will this affect my credit score?
  • Will I need to provide more information when using Buy Now, Pay Later finance? 
See all 11 articles

Credit Report

  • Why can't I access my Credit Report?
  • What is a credit report?
  • What is a live credit score and report?
  • What if I don’t recognise my missed payments?
  • You can’t find enough information, how can I build up a credit profile?
See all 25 articles

Credit Score

  • What is a credit score?
  • What credit score do banks and lenders use?
  • What is a good credit score?
  • Why has my score changed?
  • What's the best way to build a better credit score?
See all 12 articles

Credit Assistant

  • What is Credit Assistant?
  • Why does my balance show as ‘none’ if I have a balance on my account?
  • Why do some accounts show as ‘Opened’?
  • Why can I see closed accounts on Credit Assistant?
  • Why are some of my accounts missing?
See all 6 articles

Credit Reference Agencies

  • Why is my TransUnion report different from my Experian/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?
See all 9 articles

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TotallyMoney is an independent credit broker, not a lender. Our comparison service works with most leading lenders, covering the majority of the market. Though we may be paid a fee by lenders or brokers this never influences how our products are ranked.

We don't provide financial advice. Product information is obtained from independent sources and rates displayed may vary depending on your personal circumstances. While we make every effort to ensure that information is up to date, you should always confirm the terms of the offer with the product provider.

TotallyMoney is owned and operated by TotallyMoney Limited which is registered in England and Wales (Company Registration Number 06205695). TotallyMoney Limited is an Appointed Representative of TM Connect Limited, which is registered in England and Wales (Company Registration Number 06967012) and authorised and regulated by the Financial Conduct Authority in respect of consumer credit related activities (FCA FRN: 511936). Trading Address and Registered Office: Chapter House, 16 Brunswick Place, London N1 6DZ. Credit is available, subject to status, only to UK residents aged 18 or over.

Financial Conduct Authority authorised and regulated

Credit file data is provided by: