klarai
Guide
Credit Basics
A credit file is a history of how you have borrowed and billed — not a moral score. Lenders read Experian, Equifax and TransUnion. Klarai explains habits. It does not sell loans or “boost” products.
What actually moves a file
- Paying bills and any credit on time
- Keeping card balances well below the limit
- Not opening several accounts in a short window
- Being on the electoral roll at your current address
What does not
Checking your own score is a soft search. It does not hurt the file. Hard searches (new credit applications) can.
If you are new to credit
Thin files are normal at 18–21. A correctly paid phone contract or being an authorised user is not magic, and a store card is not required. This is not advice — compare options with a regulated adviser if you need one.