{"id":1894,"date":"2018-05-16T12:27:58","date_gmt":"2018-05-16T12:27:58","guid":{"rendered":"https:\/\/demo.credibble.co.uk\/blog\/?p=1894"},"modified":"2025-02-28T06:12:02","modified_gmt":"2025-02-28T06:12:02","slug":"payment-history","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/credit-score-account\/payment-history\/","title":{"rendered":"24-Factor Credit Check: Payment History"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">One of the six Credit Factors on Credit-Score\u2019s 24-Factor Credit Check is based on your payment history. We look at your payment history over 24 months and see if you\u2019ve been up to date on repayments with any loans you may have. As a way of determining creditworthiness, lenders are interested in this, because it shows your reliability as a borrower.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What&#039;s Included?<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/payment-history\/#Mortgages\" >Mortgages<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/payment-history\/#Loans_Leases\" >Loans &amp; Leases<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/payment-history\/#Credit_Cards\" >Credit Cards<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/payment-history\/#Telecoms_Others\" >Telecoms &amp; Others<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/payment-history\/#Credit-Score_offers_a_fabulous_solution\" >Credit-Score offers a fabulous solution<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"h-mortgages\"><span class=\"ez-toc-section\" id=\"Mortgages\"><\/span>Mortgages<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"817\" height=\"570\" src=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Mortgages.png\" alt=\"\" class=\"wp-image-7899\" srcset=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Mortgages.png 817w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Mortgages-300x209.png 300w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Mortgages-768x536.png 768w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Mortgages-200x140.png 200w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Mortgages-380x265.png 380w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Mortgages-800x558.png 800w\" sizes=\"auto, (max-width: 817px) 100vw, 817px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The good news: Having a mortgage and keeping up with repayments on it is the single best thing you can do for your credit rating. The bad news: You need a good credit rating to get a mortgage. The only way to get a good credit rating is to have a good credit history.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hmm.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Not to worry \u2013 if you\u2019re looking to improve your credit rating before applying for a mortgage, and you don\u2019t have a mortgage, this isn\u2019t a mark against you. It just means you need to look elsewhere to start building a credit reputation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-loans-leases\"><span class=\"ez-toc-section\" id=\"Loans_Leases\"><\/span>Loans &amp; Leases<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"817\" height=\"895\" src=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Loans-and-Leases.png\" alt=\"\" class=\"wp-image-7900\" srcset=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Loans-and-Leases.png 817w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Loans-and-Leases-274x300.png 274w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Loans-and-Leases-768x841.png 768w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Loans-and-Leases-380x416.png 380w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Loans-and-Leases-800x876.png 800w\" sizes=\"auto, (max-width: 817px) 100vw, 817px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Having a smaller loan, for example to buy a car, moving costs, or even a getaway, can also be a good way of building a reputation. Making the payments on time every month shows lenders that you can be trusted not to default on a loan. \u201cDefaulting\u201d is the term used to refer to a failure to pay back.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Leasing of appliances, furniture and cars is also included under this.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Unfortunately, even smaller loans can be rejected if you don\u2019t have much of a credit history. Once again, however, it\u2019s not a mark against you if you haven\u2019t had any loans in the last 24 months, it\u2019s just helpful.<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-credit-cards\"><span class=\"ez-toc-section\" id=\"Credit_Cards\"><\/span>Credit Cards<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"817\" height=\"895\" src=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Credit-Cards-sf.png\" alt=\"\" class=\"wp-image-7901\" srcset=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Credit-Cards-sf.png 817w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Credit-Cards-sf-274x300.png 274w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Credit-Cards-sf-768x841.png 768w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Credit-Cards-sf-380x416.png 380w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Credit-Cards-sf-800x876.png 800w\" sizes=\"auto, (max-width: 817px) 100vw, 817px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Credit cards are one of the first ports of call for many people looking to build credit. Many organisations today offer \u201ccredit builder\u201d cards, usually with lower limits. These give new borrowers a chance to prove themselves.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">While they certainly aren\u2019t something you should apply for without careful consideration, they can be a good starting point. Paying off your credit card balance on time each and every month can help give lenders the confidence that their money is safe in your hands.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-telecoms-others\"><span class=\"ez-toc-section\" id=\"Telecoms_Others\"><\/span>Telecoms &amp; Others<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"812\" height=\"895\" src=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Telecoms-and-Others.png\" alt=\"\" class=\"wp-image-7902\" srcset=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Telecoms-and-Others.png 812w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Telecoms-and-Others-272x300.png 272w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Telecoms-and-Others-768x847.png 768w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Telecoms-and-Others-380x419.png 380w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Telecoms-and-Others-800x882.png 800w\" sizes=\"auto, (max-width: 812px) 100vw, 812px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Did you know that many of your bills affect your credit rating? Bills like council tax don\u2019t affect your rating. However, many commercial bills do, including utility bills and telecoms bills (such as Internet). It\u2019s important to try to make bill payments on time every month.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">One good way you can start building credit right away is by getting a mobile phone contract. If you\u2019re on a pay-as-you-go SIM, lenders might assume you can\u2019t spare the expense. If that\u2019s true for you, consider making the switch. It\u2019s usually quick and simple, and it can help get you started on your credit journey.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div style=\"background-color: #8ed1fc;border-width: 2px;border-color: #ECECEC\" class=\"ub_call_to_action wp-block-ub-call-to-action-block\" id=\"ub_call_to_action_a74e0de6-7076-4460-80d6-3479afdce3bf\">\n\t\t\t<div class=\"ub_call_to_action_headline\">\n\t\t\t\t<p class=\"ub_call_to_action_headline_text\" style=\"font-size: 30px; text-align: center; \">Check your Credit File Today<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"ub_call_to_action_content\">\n\t\t\t\t<p class=\"ub_cta_content_text\" style=\"font-size: 15px; text-align: center; \">Get personalised insights into your Credit File<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"ub_call_to_action_button\">\n\t\t\t\t<a href=\"https:\/\/www.check.co.uk\/register?utm_source=blog-registration\" target=\"_self\" rel=\"noopener noreferrer\" class=\"ub_cta_button\" style=\"background-color: #01d083; width: 250px; \">\n\t\t\t\t\t<p class=\"ub_cta_button_text\" style=\"font-size: 14px; \">Sign up, its FREE<\/p>\n\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"h-credibble-offers-two-fabulous-solutions\"><span class=\"ez-toc-section\" id=\"Credit-Score_offers_a_fabulous_solution\"><\/span>Credit-Score offers a fabulous solution<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you are focused on your credit rating? get started for free with\u00a0<a href=\"https:\/\/www.check.co.uk\/register\" target=\"_blank\" rel=\"noreferrer noopener\">Credit-Score\u2019s 24- Factor Credit Check<\/a>\u00a0to truly help you improve your creditworthiness and how lenders view you. (Remember: lenders don\u2019t use your credit score! We\u2019ll show you what lenders look for and how to get your credit report in the best shape possible).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Last updated by Robert Edwards, Feb 202<\/em><\/strong>5<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"One of the six Credit Factors on Credit-Score\u2019s 24-Factor Credit Check is based on your payment history. We&hellip;\n","protected":false},"author":19,"featured_media":1895,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[319,317],"tags":[366,365,237],"class_list":["post-1894","post","type-post","status-publish","format-standard","has-post-thumbnail","category-lender-report","category-credit-score-account","tag-lender-report","tag-lenders-dont-use-your-credit-score","tag-his"],"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2018\/05\/payment-history-credit-card.jpg","author_info":{"display_name":"Robert Edwards","author_link":"https:\/\/www.check.co.uk\/blog\/author\/conor-mullinsaffalo-co-uk\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Payment History: Why It Really Matters To Lenders | Credit-Score<\/title>\n<meta name=\"description\" content=\"Payment history is a major factor lenders consider when deciding if they\u2019ll accept your application. Why is it so important to them?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/payment-history\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Payment History: Why It Really Matters To Lenders | Credit-Score\" \/>\n<meta property=\"og:description\" content=\"Payment history is a major factor lenders consider when deciding if they\u2019ll accept your application. 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