Credit Reports and Scores

What is a Credit Report?
Credit Reports are compiled from data collected by Credit Reference Agencies. Credit Reference Agencies gather information from public records and financial...
Tue, 19 Dec, 2017 at 4:46 PM
What is a Credit Score?
A credit score is a number that reflects the information in your credit file. It provides an indication of how favourably lenders are likely to view you. As...
Tue, 27 Mar, 2018 at 9:10 AM
Why has my address not been updated on the electoral register?
During the last few months of each year, some councils stop sending information to credit reference agencies while they complete their 'annual canvass&...
Wed, 13 Sep, 2017 at 1:21 PM
Should I be checking my Credit Report regularly and how often is it updated?
It is important to check your credit report on a regular basis to ensure that all information held is correct. Your credit report is also an important indic...
Tue, 19 Dec, 2017 at 4:54 PM
What is the difference between Credit Score and Borrowing Power?
A credit score is a number that reflects the information in your credit file. It provides an indication of how favourably lenders are likely to view you. We...
Tue, 19 Dec, 2017 at 4:55 PM
What could cause my credit score to decrease?
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...
Tue, 19 Dec, 2017 at 4:56 PM
What personal information do you hold about me on my credit report?
When registering for your account you will be asked for some personal information that is used by Callcredit to determine your credit report data. The c...
Tue, 19 Dec, 2017 at 4:56 PM
How can I improve my credit score?
There are a number of ways to improve your Credit Score. Generally these will be specific to your own Credit Report, however a number of initial improvement...
Tue, 19 Dec, 2017 at 4:59 PM
Who uses my TotallyMoney credit score?
When you apply for credit, lenders will calculate a score to determine whether or not they should accept your application. These will vary from lender to le...
Tue, 19 Dec, 2017 at 5:00 PM
How do I change the information on my report?
It can take 4–6 weeks for Callcredit to receive updated information from lenders and public accounts. If, for example, you have moved house recently, you sh...
Tue, 19 Dec, 2017 at 5:00 PM