Credit Score Coach

Read your credit file like a lender. A plain-English UK guide by Coach Cal to understanding your credit file, correcting genuine errors and preparing for a mortgage application.

• Why your file matters more than your score (Experian, Equifax and TransUnion explained)
• What's on your file, and how long each item usually stays
• Utilisation, credit limits, payment history and timing applications
• Building a thin file, including rent reporting
• Challenging errors, old links to an ex, fraud markers and CCJs, free of charge
• A 90-day plan, a 12-month mortgage-preparation timeline and worksheets

Fact-checked against official sources in September 2026. Instant download in your choice of format: PDF (16 designed A4 pages with printable worksheets; best for printing, tablets and computers) or EPUB (adjustable text for Kindle, Apple Books and Kobo).

General education only, not financial, credit or debt advice. My Card Coach is not authorised by the FCA and isn't a credit repair service. Worried about debt? Get free help from MoneyHelper, StepChange or National Debtline.