Credit scores change continuously. This is especially noticeable on TotallyMoney as we are the only free credit report service that provides you with a live credit score.


Small changes are often nothing to worry about and can be due to:


  • Using more than 25% of your credit limit.
  • How frequently you have used your credit card in the last 6 months.
  • The time since last applying for a credit card.


Larger changes may be due to known activity such as paying off a default etc. or it could be due to less noticeable changes that are a result of information 'dropping' off your credit report after reaching the six-year mark.


Checking your credit report has no impact on your credit rating. Hard searches, carried out as part of a credit application, are the only searches that can have an adverse impact on your likelihood of being accepted for credit.