Understand and improve your credit history


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

Do you want to improve your credit score but don’t want to borrow money with a loan or credit card?

LOQBOX is a service that helps you build your credit score by offering a 0% APR loan that’s locked away in a LOQBOX account. As you pay off the loan over 12 months your credit score improves.