The challenging times we’re all experiencing means we’re getting a lot more calls than usual and our call times are longer. So we can support people in the most vulnerable situations, we ask that you only call us if your enquiry is urgent. You can still use our online and mobile services and our automated service.

Credit. What is it?

Things like credit cards, loans and mortgages are types of credit. You might be surprised that smartphone contracts, car insurance (if paid monthly) and your bank account overdraft are too. Whenever you apply for credit, everything you owe will show up on your credit file for other lenders to see.

In this section, we’ll go into this in a bit more detail and give some tips on keeping your credit file looking healthy.