Help to build your credit profile


Understand and improve your credit profile


Your credit history tells lenders about the loans you’ve borrowed, payments you made or missed, and any fraud. This data can be used to create a credit score and is a key factor for lenders when deciding whether to lend to you or not. It is important that you check this to make sure the information is accurate and regularly updated.

Access your credit reports for free at:

You can learn more about credit ratings and how to improve your credit score at The Money Advice Service:


Improving your credit profile with Fair Finance

When you borrow and then repay a loan with us, we share this information with all major credit reference agencies in the UK (Experian, Equifax and TransUnion). This way, other lenders can see that you are repaying a loan with us. By getting a loan with Fair Finance, you improve your credit history and start to move from bad credit to good credit again.



Improving your credit profile with LOQBOX

LOQBOX gives you a chance to prove your creditworthiness while you save, improving your credit score so that you can get approved for better credit in the future.

  • Choose how much to save – from £20 to £200 a month for 12 months
  • These payments are reported to credit reference agencies to build your credit history
  • You can ‘unlock’ your LOQBOX to access your savings anytime