Your credit history is a record of how you use credit, such as when you’ve applied for it, whether you’ve paid it back, and how much you currently have access to. If you’ve recently turned 18, are new to the UK, or just haven’t held a credit account in the last six years, it’s likely you won’t have much of a credit history.
Having a credit history is an important first step to ensure lenders have visibility over your financial habits, to help them to determine whether you are good candidate for a loan.
Download this free Experian guide to find out what steps you need to take to begin building your credit history for greater access to loans and better interest rates.
About PayDashboard
PayDashboard is the all-in-one employee pay and financial wellbeing solution that harnesses the power of payday to boost financial resilience across your workforce. Our secure API technology integrates with your payroll and HR systems for a bespoke employee pay and benefits experience. Assure the security of your payroll data with our award-winning, IS0-27001 and Cyber Essentials accredited solution.
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