Toggle different credit improvement actions on and off and watch your projected score update in real time. See how each action translates into lower loan rates and real money saved.
Based on a £10,000 personal loan over 3 years:
| Score Band | Typical APR | Monthly | Total Cost |
|---|
The UK has three main credit reference agencies: Experian (0–999), Equifax (0–700) and TransUnion (0–710). Each scores differently. Lenders may use one, two or all three. Our simulator normalises these into a consistent eligibility score.
Electoral roll registration shows within 4–6 weeks. Payment history improvements take 3–6 months to show meaningful gains. Hard search impacts fade after 12 months. Defaults remain 6 years but their impact reduces after year 2–3.