boost your credit score 2

Why is your

Credit Score  so important?


Everyone should take time to manage and boost their credit score.

Since the credit crunch started, way back in 2007, the importance of credit
scoring to our financial lives has grown rapidly.

It affects your ability to get all these –

  • Mortgage
  • Credit Cards
  • Loans
  • Phone Contract
  • Car Insurance
  • Bank Accounts

How credit scoring
affects your



If your credit score is poor, you’ll be rejected. It really is that simple. If you’re planning to get a new mortgage or remortgage, it’s worth starting to manage your credit file at least a year in advance.


Credit cards

Your credit score dictates whether you’ll be accepted, whether you’ll be given promotional rates, and the APR you’ll be charged afterwards.



Again, your credit score matters both for acceptance and the rate you’ll pay


Utility bills

Sharing data is now spreading to utility companies too, making it even more important to pay your bill on time, or it could harm your chances of applying for other credit such as a loan, credit card or mortgage. Of course, paying it on time can help your chances too.

The credit agencies are notoriously secret about which firms share data on whether their customers made or missed payments.

So to uncover what’s really going on we asked the major energy, water and broadband and home phone firms ourselves. We understand there are now roughly a dozen major companies that share customer data. Only nine have confirmed to us so far, including British Gas, Thames Water and BT, but we are awaiting further details.


Mobile Phones

If you’re getting a contract mobile phone, you’re credit-scored (usually because the company is spreading the cost of the handset over the contract, so for the firm, it’s effectively a loan). If you’re rejected, you won’t get a contract, and will have to stick with pay as you go.


Car and home insurance

If you opt to pay monthly, then in practice the insurer is loaning you the money to pay upfront, spreading the cost over the year and charging you interest (often at 20%+ APR), so it does a credit check first.



It is a legal requirement that anyone wishing to work in financial services is credit checked as part of the recruitment process, and increasingly this practice is now demanded for other jobs and professions.

It’s easy to set up


Tell us a little about you, where you live and your landlord.



Your landlord confirms that you pay your rent on time each month.



We report these to Experian each month and your credit rating goes up.


It’s all part of your free TenantPassport
Which includes…

Your Tenant Score

View your personal Tenant Score and share it with your future landlord so they know how good a tenant you are.

Tenancy Agreement

You and your landlord confirm your Tenancy online, securely, and it doesn’t cost either of you a penny.

Your Credit Score

Keep up to date with your Credit Score displayed directly in your Tenant Passport.

Landlord ratings

Rate your own landlord and review your future landlords.

Find out what to expect before you move in.

Join thousands of renters saving money and boosting their credit score.
It’s free! Forever..

All our services will always be free for tenants.
You pay your rent on time and keep your place tidy so why should we expect you to pay for being a great tenant.

Find out more here

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