{"id":390412,"date":"2021-04-21T14:39:15","date_gmt":"2021-04-21T13:39:15","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=390412"},"modified":"2024-02-27T11:16:24","modified_gmt":"2024-02-27T11:16:24","slug":"credit-score-report-faqs","status":"publish","type":"page","link":"https:\/\/www.finder.com\/uk\/credit-score-report-faqs","title":{"rendered":"Frequently asked questions about Finder Credit Score"},"content":{"rendered":"<h3>Questions about your Finder Credit Score<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">What is a good credit score?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">In the UK, there are 3 main credit rating agencies who have different ranges for scoring your credit score. Because of this, there isn\u2019t one number which determines a \u2018good\u2019 credit score, though with all 3, the higher the number, the better the credit score. To learn more, <a href=\"https:\/\/www.finder.com\/uk\/what-is-a-good-credit-score\">read our full guide<\/a>.<\/p><p><a href=\"https:\/\/www.finder.com\/uk\/credit-score\/experian\">Experian<\/a> scores from 0 to 999 with 881 being a \u2018good\u2019 score. <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/equifax\">Equifax<\/a> scores from 0 to 1000 with 531 being a \u2018good\u2019 score. <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/transunion\">Transunion<\/a> runs its scores from 0 to 710, with 604 being a \u2018good\u2019 score.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">What is a bad credit score?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">There is no universal score for having a \u2018bad credit. In the UK, there are 3 main credit rating agencies who have different ranges for scoring your credit score. To learn more, <a href=\"https:\/\/www.finder.com\/uk\/bad-credit\">read our guide on bad credit ratings<\/a>.<\/p><p>For Experian, a score between 0 and 720 signifies that you have a \u2018Very poor\u2019 or a \u2018Poor\u2019 rating. Equifax says that a score between 0 and 438 is \u2018Poor\u2019. Finally, a score between 0 and 565 on Transunion is \u2018Very poor\u2019 or \u2018Poor\u2019.  If you\u2019re looking to boost your credit score, we have a few <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/improve-your-credit-score\">helpful tips<\/a>.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">What does the score number mean?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Your credit score is a numeric representation of how you&#8217;ve used credit in the past. The higher the number the better, and the easier it&#8217;ll be to borrow money at low interest rates. For prospective lenders, it&#8217;s a key consideration when they&#8217;re deciding whether to accept your application for credit. Your credit report, which is made up of all the factors that contribute to your score, is recorded by credit reference agencies.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Why is this score different from one I saw elsewhere?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\">In the UK, there are three main credit reference agencies (Equifax, TransUnion and Experian) with different scoring systems. Finder shows you your Equifax credit score. If you have a good Equifax credit score, you&#8217;ll almost certainly have a good TransUnion or Experian credit score, too, but because they use different scales, the exact number will differ.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">How do you check your credit score?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\">You can check your credit score using <a href=\"https:\/\/www.finder.com\/uk\/credit-score\">Finder\u2019s credit score checker<\/a>. It&#8217;s free to use and won\u2019t impact your credit score!<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">Why has my credit score gone down?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\">There are a number of reasons why your credit score has been affected and since gone down in rating. You may have:<\/p><ul><li>Missed or made a late payment<\/li><li>Taken out a new line of credit<\/li><li>Increased your credit spending<\/li><li>Settling a financial disagreement in court<\/li><li>Moving addresses too regularly<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">Why don't I have a credit score?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\">There are a number of reasons why you might not have a credit score, we have listed a few below:<\/p><ul><li>You\u2019re too young<\/li><li>You\u2019ve never used credit<\/li><li>You\u2019re new to the UK<\/li><li>You\u2019ve not used credit in a long time<\/li><li>You\u2019ve used few credit accounts<\/li><\/ul><p>For more detail, read our <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/reasons-why-you-might-not-have-a-credit-score-uk\">full guide<\/a>.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000007\" data-toggle=\"collapse\" data-target=\"#accordion0000000007\">\n        <span class=\"luna-accordion__title\">What credit score do you need for a mortgage?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000007\" data-accordion=\"details\">\n    <div class=\"accordionContent\">If you\u2019re looking to buy a house, you may have seen that your credit score can affect getting a mortgage. In the UK, there\u2019s no set score you need to have to buy a house, although mortgage lenders will take your credit score into consideration when deciding to lend to you. To learn more, read our <a href=\"https:\/\/www.finder.com\/uk\/mortgages\/credit-score-to-buy-house\">full guide.<\/a><\/p><p>You can <a href=\"https:\/\/www.finder.com\/uk\/credit-score\">check your credit score<\/a> using Finder for free and without impacting your credit score.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000008\" data-toggle=\"collapse\" data-target=\"#accordion0000000008\">\n        <span class=\"luna-accordion__title\">What is the average credit score in the UK?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000008\" data-accordion=\"details\">\n    <div class=\"accordionContent\">The average UK credit score with Experian is 759, Equifax is 383 and with TransUnion it\u2019s 610.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000009\" data-toggle=\"collapse\" data-target=\"#accordion0000000009\">\n        <span class=\"luna-accordion__title\">Does checking my score affect it?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000009\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Many companies who provide credit score checks, including Finder, run a \u201csoft\u201d search to check your credit score; this does not impact your score. <\/p><p>However, when applying for a credit card or loan, a lender will perform a \u201chard\u201d check\u2019 on your credit report, this will initially cause a dip in your credit score.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000010\" data-toggle=\"collapse\" data-target=\"#accordion0000000010\">\n        <span class=\"luna-accordion__title\">How frequently does my credit report get updated?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000010\" data-accordion=\"details\">\n    <div class=\"accordionContent\">In the UK, there is currently no set frequency for how often your credit report is updated. Some reporters, such as Equifax, update it every 4 to 6 weeks.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000011\" data-toggle=\"collapse\" data-target=\"#accordion0000000011\">\n        <span class=\"luna-accordion__title\">Why is my credit score different on different sites?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000011\" data-accordion=\"details\">\n    <div class=\"accordionContent\">The UK has 3 main credit reporting agencies, Experian, Equifax and Transunion. Each has a different rating system with differing rating tiers and maximum scores, but ultimately, they collect the same information to give you a credit score.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000012\" data-toggle=\"collapse\" data-target=\"#accordion0000000012\">\n        <span class=\"luna-accordion__title\">What is a credit score?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000012\" data-accordion=\"details\">\n    <div class=\"accordionContent\">A credit score is a tool used by lenders to see if you qualify for a specific loan, mortgage or credit card. The higher the credit score, the less risk you pose to the lender, making it easier to be accepted for loans, credit cards and mortgages.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000013\" data-toggle=\"collapse\" data-target=\"#accordion0000000013\">\n        <span class=\"luna-accordion__title\">What affects my credit score?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000013\" data-accordion=\"details\">\n    <div class=\"accordionContent\">There are many factors which affect your credit score, including:<\/p><ul><li>Borrowing credit<\/li><li>Paying bills on time<\/li><li>How much you spend on a credit card<\/li><li>Registering to vote<\/li><li>Moving too frequently<\/li><li>Having little to no credit history<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000014\" data-toggle=\"collapse\" data-target=\"#accordion0000000014\">\n        <span class=\"luna-accordion__title\">Why does my credit score matter?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000014\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Having a good credit score makes it easier not only to get a loan \/ mortgage \/ credit card, but also opens doors to getting great deals, such as lower interest. If you have a poor credit score, it can make it harder to be accepted for a loan \/ mortgage \/ credit card.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000015\" data-toggle=\"collapse\" data-target=\"#accordion0000000015\">\n        <span class=\"luna-accordion__title\">How can I improve my score?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000015\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Improving your credit score will help your chances of being accepted for credit cards, mortgages and loans. There are many ways which may help build your credit score, including:<\/p><ul><li>Registering on the electoral roll<\/li><li>Paying the bills on time<\/li><li>Reducing existing debt<\/li><li>Lowering your credit utilisation<\/li><\/ul><p>To learn more tips, <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/improve-your-credit-score\">read our full guide<\/a>.<\/div>\n  <\/div>\n<\/li><\/ul><h3>Questions about Finder&#8217;s credit reports<\/h3><p>Finder&#8217;s credit score and reports are free to access. You can see what&#8217;s been recorded in your credit file and learn whether it&#8217;s helping or hurting your score and your ability to borrow money.<\/p><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000016\" data-toggle=\"collapse\" data-target=\"#accordion0000000016\">\n        <span class=\"luna-accordion__title\">I've spotted something I don't recognise in my credit report<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000016\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>If it relates to a specific bank or lender, then it&#8217;s quickest to contact the company directly and ask what information it has reported to credit reference agencies (and when it did this). Alternatively, you can let one of our team know \u2013 just click the blue button below. We&#8217;ll submit your case to Equifax, which is the credit reference agency we&#8217;ve partnered with.<\/p><p>If you see a soft search you don&#8217;t recognise, it could be the automated check that Finder runs to get you a monthly update on how your score&#8217;s doing. It will be done around the time you receive this update email. The search will say &#8220;FINDER.COM&#8221; and the search type will state &#8220;Creditfile Request&#8221;. Soft searches don&#8217;t affect your credit score.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000017\" data-toggle=\"collapse\" data-target=\"#accordion0000000017\">\n        <span class=\"luna-accordion__title\">I've spotted a mistake in my credit report<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000017\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Mistakes happen. The good news is that when it comes to your credit report, you can set the record straight. If you want to dispute something you&#8217;ve seen in your Finder Credit Report, you can let one of our team know (just click the blue button below), and we&#8217;ll submit your case to Equifax (the credit reference agency we&#8217;ve partnered with). Then, while Equifax is disputing the matter on your behalf, you may choose to add a &#8220;Notice of Correction&#8221; to your credit report (max. 200 words), which will explain to any prospective lenders that an item in your credit record is under dispute.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000018\" data-toggle=\"collapse\" data-target=\"#accordion0000000018\">\n        <span class=\"luna-accordion__title\">Some of my utility\/phone payments aren't in my report<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000018\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Not all utility providers report payments to all credit reference agencies. Utility payments don&#8217;t typically contribute to your credit score. But if you missed multiple utility payments, then your provider might take action which could lead to your score being harmed. You can contact your utility provider directly to ask what info it reports to credit reference agencies.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000019\" data-toggle=\"collapse\" data-target=\"#accordion0000000019\">\n        <span class=\"luna-accordion__title\">My electoral roll info is missing<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000019\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Being on the electoral roll helps your credit score. Make sure you&#8217;ve <a href=\"https:\/\/www.gov.uk\/register-to-vote\" target=\"_blank\" rel=\"noopener\">registered to vote<\/a> at your current address, provided you&#8217;re eligible to do so.<\/p><p>Once you&#8217;ve registered, it can take up to eight weeks for this to be reflected in your credit report. Your local authority will add you to the roll and then let credit reference agencies know in their monthly update. Please keep in mind that it can take four to eight weeks for them to send this information and for it to be updated on your credit report. <\/p><p>If it&#8217;s not there after eight weeks, you should contact your local authority directly to check they&#8217;ve added you to the roll and sent the necessary updates for your credit report. If they have, then let one of our team know (click the blue button below), and we&#8217;ll submit your case to Equifax (the credit reference agency that we&#8217;ve partnered with). Then, while Equifax disputes the matter on your behalf, you may choose to add a &#8220;Notice of Correction&#8221; to your credit report (max. 200 words), which will explain to any prospective lenders that this aspect of your credit record is under dispute.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000020\" data-toggle=\"collapse\" data-target=\"#accordion0000000020\">\n        <span class=\"luna-accordion__title\">My electoral roll info is incorrect<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000020\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Being on the electoral roll at your current address helps your credit score. When you move house, you&#8217;ll need to register to vote at your new address, via your <a href=\"https:\/\/www.gov.uk\/find-local-council\" target=\"_blank\" rel=\"noopener\">local council<\/a>, provided you&#8217;re eligible to do so.<\/p><p>Once you&#8217;ve done this, it can take up to eight weeks to be reflected in your credit report. Your local authority will add\/update your details on the electoral roll and then let credit reference agencies know in their monthly update. Please keep in mind that it can take four to eight weeks for them to send this information and for it to be updated on your credit report.<\/p><p>If the correct info isn&#8217;t showing in your report after eight weeks, you should contact your local authority directly to check they&#8217;ve added\/updated your details on the electoral roll and sent the necessary updates for your credit report. If they have, then let one of our team know (click the blue button below), and we&#8217;ll submit your case to Equifax (the credit reference agency that we&#8217;ve partnered with). Then, while Equifax disputes the matter on your behalf, you may choose to add a &#8220;Notice of Correction&#8221; to your credit report (max. 200 words), which will explain to any prospective lenders that this aspect of your credit record is under dispute.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000021\" data-toggle=\"collapse\" data-target=\"#accordion0000000021\">\n        <span class=\"luna-accordion__title\">My exact address isn\u2019t available<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000021\" data-accordion=\"details\">\n    <div class=\"accordionContent\">When you open a credit score account with Finder, our partner, Equifax, sends through your credit report data, including addresses it has for you.<\/p><p>What to do if your address isn\u2019t showing in your Finder account:  <\/p><ol><li>Check Royal Mail&#8217;s Postcode Finder.<\/li><li>If you\u2019re not able to find your address, you\u2019ll need to ask Royal Mail to add it for you.<\/li><li>If you can find your full address\/Royal Mail has now added it to its database, let us know by selecting &#8220;Ask our support team&#8221;, <a href=\"https:\/\/www.finder.com\/uk\/credit-score-report-faqs#supportbutton\">below<\/a>.<\/li><li>Once Equifax adds your address, it takes about 4 weeks for it to appear on our system.<\/li><\/ol><p>If you haven&#8217;t successfully registered with Finder yet, once you&#8217;re able to select your address in our drop-down menu, you can try registering again. <\/p><p><strong>Armed Forces or commercial address<\/strong><br \/>To access your credit report and score, please use a private residential address if you can. Equifax may not be able to match an armed forces address or a commercial address to a credit report.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000022\" data-toggle=\"collapse\" data-target=\"#accordion0000000022\">\n        <span class=\"luna-accordion__title\">How can I update the address shown on my credit report?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000022\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Unfortunately, you can&#8217;t change your address on Finder. The best way to update your address is to contact your banks, lenders and local council directly, providing them with your most up to date information. We&#8217;ll then receive any new changes from Equifax and update your report accordingly &#8211; it&#8217;s important to note that this takes around 4 weeks to appear on our system. <\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000023\" data-toggle=\"collapse\" data-target=\"#accordion0000000023\">\n        <span class=\"luna-accordion__title\">How do I sign up when I don\u2019t have more than 3 years at a UK address?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000023\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Unfortunately, you won\u2019t be able to do this right now. We need at least 3 years of your address history to check your identity and get your credit report details from Equifax.<\/p><p>Please come back to us when you can show that you\u2019ve been in the UK for 3 years.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000024\" data-toggle=\"collapse\" data-target=\"#accordion0000000024\">\n        <span class=\"luna-accordion__title\">It\u2019s telling me to wait 24 hours, what should I do?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000024\" data-accordion=\"details\">\n    <div class=\"accordionContent\">We have a security system in place which will freeze your account if there are too many unsuccessful sign up attempts in your name in a short period of time.<\/p><p>You\u2019ll need to make sure you wait the full 24 hours before attempting to log in again. <\/p><p>Once you\u2019re back in, be sure to carefully check all of the information you\u2019ve added. Remember to review your bank statements and electoral roll information to help you get through the registration process. <\/p><p>If you\u2019re stuck on this, ask one of our team by filling out the \u2018Ask our support team\u2019 <a href=\"https:\/\/www.finder.com\/uk\/credit-score-report-faqs#supportbutton\">form<\/a> below.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000025\" data-toggle=\"collapse\" data-target=\"#accordion0000000025\">\n        <span class=\"luna-accordion__title\">What are the security questions?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000025\" data-accordion=\"details\">\n    <div class=\"accordionContent\">We work with Equifax, our partner credit reference agency, to generate your credit report. <\/p><p>To help us find you, there might be some questions about some of your financial information. We\u2019re unable to indicate which answers to choose, but remember to review your financial history and your electoral roll information to help you with this. <\/p><p>Remember that you can choose &#8220;None of the above&#8221; if you don\u2019t recognise a question. <\/p><p>If you get locked out of your account, you\u2019ll need to wait for 24 hours before trying again &#8211; this is so that we can protect your credit report information.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000026\" data-toggle=\"collapse\" data-target=\"#accordion0000000026\">\n        <span class=\"luna-accordion__title\">I haven\u2019t received a verification email<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000026\" data-accordion=\"details\">\n    <div class=\"accordionContent\">If you&#8217;ve registered your information but haven\u2019t received a verification email yet, please check your spam\/junk email folders in case the email has accidentally ended up there.<\/p><p>If not, please contact us via our &#8220;Ask our support team&#8221; <a href=\"https:\/\/www.finder.com\/uk\/credit-score-report-faqs#supportbutton\">form<\/a> below and we&#8217;ll be more than happy to help.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000027\" data-toggle=\"collapse\" data-target=\"#accordion0000000027\">\n        <span class=\"luna-accordion__title\">Can I print, download or share my credit report?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000027\" data-accordion=\"details\">\n    <div class=\"accordionContent\">If you need to save any of your credit report information, you can \u2018print screen\u2019 or screenshot the information that you need. You can then save this as an image or paste this into a document so you can print this off.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000028\" data-toggle=\"collapse\" data-target=\"#accordion0000000028\">\n        <span class=\"luna-accordion__title\">What if I\u2019m not found by Equifax?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000028\" data-accordion=\"details\">\n    <div class=\"accordionContent\">If you\u2019re not found by Equifax, we will be unable to validate your identity and locate your report details.<\/p><p>When you become ID Validated, this means that we have matched you to your record and you will be unable to make changes to your personal information yourself.<\/p><p>If you spot an error please <a href=\"mailto:chatsupport@finder.com\">raise a dispute<\/a> so that you can get this changed with Equifax directly.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><h3>Questions about your Finder account<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000029\" data-toggle=\"collapse\" data-target=\"#accordion0000000029\">\n        <span class=\"luna-accordion__title\">Is it free to access my credit score and report through Finder?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000029\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Yes! Accessing your score and report through Finder is free. It&#8217;s not a free trial, it&#8217;s a free service. Permanently.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000030\" data-toggle=\"collapse\" data-target=\"#accordion0000000030\">\n        <span class=\"luna-accordion__title\">How do I delete my Finder account?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000030\" data-accordion=\"details\">\n    <div class=\"accordionContent\">If you&#8217;ve decided you no longer want free access to your credit score and report through Finder, or any other benefits of being a Finder member, you can delete your account at any time. Just log in and go to your profile and choose &#8220;Settings&#8221;. Scroll to the end of the settings page and choose &#8220;Delete Account&#8221;. That&#8217;s it.<\/div>\n  <\/div>\n<\/li><\/ul><div class=\"text-center\"><h3 id=\"supportbutton\" class=\"companyStrap__text--primary text-center \">Got a credit score question for us?<\/h3><div class=\"text-center has-margin-bottom-large\"><a href=\"mailto:ukcreditscore@finder.com\" class=\"luna-button luna-button--primary luna-button--large has-margin-bottom-large js-launch-chat\" type=\"button\">Ask our support team \u2192<\/a><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Find answers to any questions about your credit score and report.<\/p>\n","protected":false},"author":195,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"open","template":"page-masthead-two-column.php","meta":{"footnotes":""},"tags":[],"class_list":["post-390412","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Frequently asked questions about credit scores and reports | Finder UK<\/title>\n<meta name=\"description\" content=\"Find answers to any questions about your credit score and report.\" \/>\n<meta name=\"robots\" content=\"noindex, follow\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Frequently asked questions about Finder Credit Score\" \/>\n<meta property=\"og:description\" content=\"Find answers to any questions about your credit score and report.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/credit-score\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/uk\/credit-score-report-faqs\",\"url\":\"https:\/\/www.finder.com\/uk\/credit-score\",\"name\":\"Frequently asked questions about credit scores and reports | Finder UK\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#website\"},\"datePublished\":\"2021-04-21T13:39:15+00:00\",\"dateModified\":\"2023-09-29T14:58:56+00:00\",\"description\":\"Find answers to any questions about your credit score and report.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.finder.com\/uk\/credit-score#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.finder.com\/uk\/credit-score\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.finder.com\/uk\/credit-score#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"UK\",\"item\":\"https:\/\/www.finder.com\/uk\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Credit score\",\"item\":\"https:\/\/www.finder.com\/uk\/credit-score\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Frequently asked questions about Finder Credit Score\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.finder.com\/uk\/#website\",\"url\":\"https:\/\/www.finder.com\/uk\/\",\"name\":\"Finder UK\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.finder.com\/uk\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\",\"url\":\"https:\/\/www.finder.com\/uk\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png\",\"contentUrl\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png\",\"width\":1392,\"height\":1392,\"caption\":\"Finder\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/findercomuk\",\"https:\/\/x.com\/findercomUK\",\"https:\/\/www.linkedin.com\/company\/finder\/\",\"https:\/\/en.wikipedia.org\/wiki\/Finder_(website)\"],\"description\":\"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. 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