{"id":487658,"date":"2023-05-30T10:56:23","date_gmt":"2023-05-30T09:56:23","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=487658"},"modified":"2024-03-01T15:56:14","modified_gmt":"2024-03-01T15:56:14","slug":"credit-score-checklist","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-score\/credit-score-checklist","title":{"rendered":"UK credit score checklist for 2026"},"content":{"rendered":"

Keeping a regular eye on your credit report is important. As well as helping you to assess how likely you are to be accepted for credit in the future, checking your credit report will help you to spot if it contains any mistakes or if you\u2019ve been a victim of identity theft or fraud. <\/p>

Checking your credit report and ensuring your credit score is the best it can be can help you to secure the best interest rates on loans, mortgage and credit cards in the future. That\u2019s why we\u2019ve put together this handy checklist so that you know what to look for. It\u2019s sensible to use this checklist and check your credit report once a month if you can.<\/p>

1. Personal information<\/h3>

What to check:<\/strong> As a first step, it\u2019s important to ensure your personal information, including your full name, date of birth and address history, is correct. Your report might include any other names you\u2019ve used in the past, such as your maiden name, so make sure these are correct too.<\/p>

Information such as your address is used to help identify you, so even slight errors can affect your chances of getting credit. <\/p>

Action to take:<\/strong> If you spot any mistakes in your personal information, or if any previous addresses are missing, you should contact the relevant credit reference agency as soon as possible to get the mistake corrected or the address added in.<\/p>

2. Credit searches<\/h3>

What to check:<\/strong> Be sure to check whether all the soft and hard searches recorded on your credit file are recognisable. Soft searches are carried out whenever you use an eligibility checker (before taking out a loan or credit card, for example) and whenever you check your credit report. However, soft searches can only be seen by you, usually for 12 months, and have no impact on your credit score.<\/p>

Hard searches, on the other hand, are carried out whenever you apply for credit in full. This is when a lender takes a full look at your credit report and score and the process leaves a mark on your credit file for other lenders to see. Most hard searches stay on your credit file for 12 months, although if a debt collector runs a search on your credit file, this will stay on your report for 2 years. <\/p>

Because they can affect your credit history, it\u2019s important to closely check your hard searches and make sure they\u2019re correct. Too many hard searches in a short space of time can make you look desperate for credit and deter lenders from letting you borrow. If you spot a hard search you don\u2019t recognise, it could suggest you have an error on your account or it could be a sign of fraud.<\/p>

Action to take:<\/strong> If you spot a problem, contact the named lender straightaway to find out if it\u2019s a mistake. If the lender says it\u2019s not and you still think the hard search is wrong, you\u2019ll need to raise a dispute with the credit reference agency by contacting them directly. If you think the search might be fraudulent, you\u2019ll need to get in touch with Action Fraud to explain the situation and they can guide you through the next steps. <\/p>

Check your credit searches in your Finder account.<\/strong><\/a><\/p>

3. Credit accounts<\/h3>

What to check:<\/strong> You should also check whether all the credit accounts listed on your credit report are accurate. These include current accounts with an overdraft and credit card accounts, as well as other credit agreements like loans, mortgages, utility bills and mobile phone bills.<\/p>

Make sure all the relevant accounts have been recorded and belong to you. All credit accounts can have an impact on your credit score, so if one is missing and you\u2019ve kept up with your repayments, you won\u2019t be benefiting from any possible increase in your credit score. On the other hand, if there\u2019s an account on your credit report that you don\u2019t recognise, this could be having a negative impact on your credit report if payments aren\u2019t being met.<\/p>

Action to take:<\/strong> If you spot an account that\u2019s missing or an account that doesn\u2019t belong to you, you\u2019ll need to get in touch with the lender to find out whether a mistake has been made. If so, they will need to update your records so that your credit report can be corrected. <\/p>

If the lender says no mistake has been made, you\u2019ll need to raise a dispute with the credit reference agency by contacting them directly. <\/p>

Check your credit accounts in your Finder account.<\/strong><\/a><\/p>

4. Financial associations<\/h3>

What to check:<\/strong> Make sure any financial associations you have on your credit report are still correct. Financial associations are created when you open a joint account with someone – for example, if you take out a joint loan or a joint mortgage. If your credit file is linked to someone else\u2019s, this will show up on your credit record. When you apply for credit, companies might check your partner\u2019s credit history to help them decide whether to approve you. If your partner has poor credit, you could be turned away, even if your own credit rating is good.<\/p>

For this reason, it pays to make sure your financial associations are correct. If you\u2019ve recently closed your joint account, it\u2019s important to ensure your credit report reflects this and shows that you\u2019re no longer financially linked.<\/p>

Action to take:<\/strong> If you spot any old financial associations, you can ask the credit reference agency to get them removed from your credit report. You\u2019ll need to get in touch with the relevant credit reference agency and provide proof that your financial connection has ended. In some cases, if you\u2019ve divorced your partner but you still share a mortgage, the credit reference agency might be able to break the association between you if you\u2019ve been living apart for 6 months or more. However, you\u2019ll need to close any other shared accounts, such as a joint bank account. <\/p>

Borrowing together: 5 things to know before you commit<\/strong><\/a><\/p>

5. Payment history<\/h3>

What to check:<\/strong> You\u2019ll also need to ensure your payment history is correct. This will show when you\u2019ve paid your bills and whether you\u2019ve paid in full or in part. Any missed or late payments or defaults will also be recorded on your file, where they can stay for 6 years.<\/p>

Action to take:<\/strong> Any incorrect information can affect your credit score, so it\u2019s important to contact the lender as soon as possible to see if an error has been made. If the lender\u2019s records are correct, you\u2019ll need to raise a dispute with the credit reference agency.<\/p>

6. Public record information<\/h3>

What to check:<\/strong> It\u2019s also important to check whether there is any record on your credit file of individual voluntary arrangements (IVAs), debt relief orders (DROs) or bankruptcy, as well as whether you\u2019ve had any home repossessions or county court judgments (CCJs). These stay on your credit report for at least 6 years so its important to make sure all details about them are correct. <\/p>

Action to take:<\/strong> If you spot any incorrect information, contact the lender directly. If the issue can\u2019t be resolved, you\u2019ll need to raise a dispute with the credit reference agency.<\/p>

How to correct mistakes on your credit report<\/h3>

If you\u2019ve found a mistake on your credit report, your first step should be to contact the bank or credit card company in question. Make sure you have evidence to hand to show that a mistake has been made, whether that\u2019s a bank statement or receipt.<\/p>

If the lender agrees a mistake has been made, they will need to update their records within one month and update the credit reference agency too.<\/p>

On the other hand, if the lender says everything is correct, you will need to speak to the credit reference agency directly. The mistake will be investigated and the agency will contact the relevant lender to verify your claim. If you\u2019re found to be right, your report will be amended. <\/p>

However, if your claim isn\u2019t accepted, you can add a notice of correction to your report. This is a 200-word statement outlining your side of the story. For example, you could use it to explain that you fell behind with your loan repayments because you lost your job. It won\u2019t benefit your credit score, but future lenders might take your notice of correction into account when considering whether to let you borrow.<\/p>

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"

Learn more about what to look out for when checking your credit report. <\/p>\n","protected":false},"author":1047,"featured_media":487763,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[3638],"tags":[2565,3750],"asset_tag":[],"class_list":["post-487658","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-score","tag-latest-3","tag-money-latest-3"],"apple_news_notices":[],"yoast_head":"\nFree UK credit score checklist for 2026 | Finder UK<\/title>\n<meta name=\"description\" content=\"Follow our free step-by-step checklist monthly to help you keep track of your credit score and credit report.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/credit-score\/credit-score-checklist\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"UK credit score checklist for 2026\" \/>\n<meta property=\"og:description\" content=\"Follow our free step-by-step checklist monthly to help you keep track of your credit score and credit report.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/credit-score\/credit-score-checklist\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2023-05-30T09:56:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2023\/05\/Credit-score-checklist-feature-image.png\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Rachel Wait\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/rachelwait?lang=en\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Rachel Wait\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/uk\/credit-score\/credit-score-checklist#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/credit-score\/credit-score-checklist\"},\"author\":{\"name\":\"Rachel Wait\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/531b4649d053a94fb7388e896df73218\"},\"headline\":\"UK credit score checklist for 2026\",\"datePublished\":\"2023-05-30T09:56:23+00:00\",\"dateModified\":\"2023-05-30T10:56:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/credit-score\/credit-score-checklist\"},\"wordCount\":1501,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/credit-score\/credit-score-checklist#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2023\/05\/Credit-score-checklist-feature-image.png\",\"articleSection\":[\"Credit score\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"copyrightYear\":\"2023\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.finder.com\/#organization\"},\"commentCount\":0},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/uk\/credit-score\/credit-score-checklist\",\"url\":\"https:\/\/www.finder.com\/uk\/credit-score\/credit-score-checklist\",\"name\":\"Free UK credit score checklist for 2026 | Finder UK\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/credit-score\/credit-score-checklist#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/credit-score\/credit-score-checklist#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2023\/05\/Credit-score-checklist-feature-image.png\",\"datePublished\":\"2023-05-30T09:56:23+00:00\",\"dateModified\":\"2023-05-30T10:56:25+00:00\",\"description\":\"Follow our free step-by-step checklist monthly to help you keep track of your credit score and credit report.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.finder.com\/uk\/credit-score\/credit-score-checklist#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.finder.com\/uk\/credit-score\/credit-score-checklist\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/credit-score\/credit-score-checklist#primaryimage\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2023\/05\/Credit-score-checklist-feature-image.png\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2023\/05\/Credit-score-checklist-feature-image.png\",\"width\":250,\"height\":250},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.finder.com\/uk\/credit-score\/credit-score-checklist#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\":\"UK credit score checklist for 2026\"}]},{\"@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. We compare everything from bank accounts, personal loans, investing platforms and much more.\",\"email\":\"heythere@finder.com\",\"legalName\":\"Finder\",\"foundingDate\":\"2006-01-01\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"51\",\"maxValue\":\"200\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/531b4649d053a94fb7388e896df73218\",\"name\":\"Rachel Wait\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png\",\"caption\":\"Rachel Wait\"},\"description\":\"Rachel Wait is a freelance journalist and has been writing about personal finance for more than a decade, covering everything from insurance to mortgages. She has written for a range of personal finance websites and national newspapers, including The Observer, The Mail on Sunday, The Sun and the Evening Standard. Rachel is a keen baker in her spare time.\",\"sameAs\":[\"https:\/\/twitter.com\/rachelwait?lang=en\",\"https:\/\/www.linkedin.com\/in\/rachel-wait-00463013\/\",\"https:\/\/muckrack.com\/rachel-wait\"],\"url\":\"https:\/\/www.finder.com\/uk\/author\/rachelwait\",\"jobTitle\":\"Writer\",\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\"}}]}<\/script>\n<meta property=\"article:modified_time\" content=\"2023-05-30T10:56:25+00:00\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Free UK credit score checklist for 2026 | Finder UK","description":"Follow our free step-by-step checklist monthly to help you keep track of your credit score and credit report.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.finder.com\/uk\/credit-score\/credit-score-checklist","og_locale":"en_GB","og_type":"article","og_title":"UK credit score checklist for 2026","og_description":"Follow our free step-by-step checklist monthly to help you keep track of your credit score and credit report.","og_url":"https:\/\/www.finder.com\/uk\/credit-score\/credit-score-checklist","og_site_name":"Finder UK","article_publisher":"https:\/\/www.facebook.com\/findercomuk","article_published_time":"2023-05-30T09:56:23+00:00","og_image":[{"width":250,"height":250,"url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2023\/05\/Credit-score-checklist-feature-image.png","type":"image\/png"}],"author":"Rachel Wait","twitter_card":"summary_large_image","twitter_creator":"@https:\/\/twitter.com\/rachelwait?lang=en","twitter_site":"@findercomUK","twitter_misc":{"Written by":"Rachel Wait","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.finder.com\/uk\/credit-score\/credit-score-checklist#article","isPartOf":{"@id":"https:\/\/www.finder.com\/uk\/credit-score\/credit-score-checklist"},"author":{"name":"Rachel Wait","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/531b4649d053a94fb7388e896df73218"},"headline":"UK credit score checklist for 2026","datePublished":"2023-05-30T09:56:23+00:00","dateModified":"2023-05-30T10:56:25+00:00","mainEntityOfPage":{"@id":"https:\/\/www.finder.com\/uk\/credit-score\/credit-score-checklist"},"wordCount":1501,"publisher":{"@id":"https:\/\/www.finder.com\/uk\/#organization"},"image":{"@id":"https:\/\/www.finder.com\/uk\/credit-score\/credit-score-checklist#primaryimage"},"thumbnailUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2023\/05\/Credit-score-checklist-feature-image.png","articleSection":["Credit score"],"inLanguage":{"@type":"Language","name":"English","alternateName":"en"},"copyrightYear":"2023","copyrightHolder":{"@id":"https:\/\/www.finder.com\/#organization"},"commentCount":0},{"@type":"WebPage","@id":"https:\/\/www.finder.com\/uk\/credit-score\/credit-score-checklist","url":"https:\/\/www.finder.com\/uk\/credit-score\/credit-score-checklist","name":"Free UK credit score checklist for 2026 | Finder UK","isPartOf":{"@id":"https:\/\/www.finder.com\/uk\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.finder.com\/uk\/credit-score\/credit-score-checklist#primaryimage"},"image":{"@id":"https:\/\/www.finder.com\/uk\/credit-score\/credit-score-checklist#primaryimage"},"thumbnailUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2023\/05\/Credit-score-checklist-feature-image.png","datePublished":"2023-05-30T09:56:23+00:00","dateModified":"2023-05-30T10:56:25+00:00","description":"Follow our free step-by-step checklist monthly to help you keep track of your credit score and credit report.","breadcrumb":{"@id":"https:\/\/www.finder.com\/uk\/credit-score\/credit-score-checklist#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.finder.com\/uk\/credit-score\/credit-score-checklist"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/credit-score\/credit-score-checklist#primaryimage","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2023\/05\/Credit-score-checklist-feature-image.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2023\/05\/Credit-score-checklist-feature-image.png","width":250,"height":250},{"@type":"BreadcrumbList","@id":"https:\/\/www.finder.com\/uk\/credit-score\/credit-score-checklist#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":"UK credit score checklist for 2026"}]},{"@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. We compare everything from bank accounts, personal loans, investing platforms and much more.","email":"heythere@finder.com","legalName":"Finder","foundingDate":"2006-01-01","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"51","maxValue":"200"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/531b4649d053a94fb7388e896df73218","name":"Rachel Wait","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png","caption":"Rachel Wait"},"description":"Rachel Wait is a freelance journalist and has been writing about personal finance for more than a decade, covering everything from insurance to mortgages. She has written for a range of personal finance websites and national newspapers, including The Observer, The Mail on Sunday, The Sun and the Evening Standard. Rachel is a keen baker in her spare time.","sameAs":["https:\/\/twitter.com\/rachelwait?lang=en","https:\/\/www.linkedin.com\/in\/rachel-wait-00463013\/","https:\/\/muckrack.com\/rachel-wait"],"url":"https:\/\/www.finder.com\/uk\/author\/rachelwait","jobTitle":"Writer","worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder"}}]},"article_modified_time":"2023-05-30T10:56:25+00:00"},"custom_fields":{"_masthead_variant":["{\"id\":\"standard-blue\",\"showFeaturedImage\":false,\"presetId\":\"\",\"shouldUsePrimaryCTAFieldName\":false,\"shouldUseSecondaryCTAFieldName\":false,\"primaryCTA\":null,\"secondaryCTA\":null,\"widgetShortcode\":\"\",\"widgetHeading\":\"\",\"widgetStats\":\"\",\"hasPrioritizedWidget\":false,\"hasMaximizedWidget\":false,\"shouldUseOverrideCTALabel\":false,\"overrideCTA\":null,\"cleanTopPicks\":\"\"}"],"_masthead_subheading":["{\"text\":\"Follow our free step-by-step checklist to help you keep track of your credit score and report.\"}"],"_content_type":["niche-content\/information\/member-guide"],"custom_post_template":["single-masthead-two-column.php"],"_wp_page_template":["default"]},"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/487658"}],"collection":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/users\/1047"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/comments?post=487658"}],"version-history":[{"count":6,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/487658\/revisions"}],"predecessor-version":[{"id":513853,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/487658\/revisions\/513853"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/media\/487763"}],"wp:attachment":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/media?parent=487658"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/categories?post=487658"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/tags?post=487658"},{"taxonomy":"asset_tag","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/asset_tag?post=487658"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}