{"id":3591,"date":"2019-03-07T14:10:30","date_gmt":"2019-03-07T14:10:30","guid":{"rendered":"https:\/\/www.credit-score.com\/blog\/?p=3591"},"modified":"2025-01-30T20:15:15","modified_gmt":"2025-01-30T20:15:15","slug":"credit-activity","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/credit-score-account\/lender-report\/credit-activity\/","title":{"rendered":"24-Factor Credit Check: Credit Activity"},"content":{"rendered":"\n<p>One of the six Credit Factors on Credit-Score\u2019s 24-Factor Credit Check is based on your credit activity. This includes all the credit agreements you currently have, and any hard credit searches in the past six months.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 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\/lender-report\/credit-activity\/#Total_Accounts\" >Total Accounts<\/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\/lender-report\/credit-activity\/#Credit_Quality\" >Credit Quality<\/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\/lender-report\/credit-activity\/#Credit_Lifespan\" >Credit Lifespan<\/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\/lender-report\/credit-activity\/#Hard_Searches\" >Hard Searches<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"h-total-accounts\"><span class=\"ez-toc-section\" id=\"Total_Accounts\"><\/span>Total Accounts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"676\" height=\"1024\" src=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Total-Accounts-676x1024.png\" alt=\"\" class=\"wp-image-7907\" srcset=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Total-Accounts-676x1024.png 676w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Total-Accounts-198x300.png 198w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Total-Accounts-768x1164.png 768w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Total-Accounts-380x576.png 380w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Total-Accounts-800x1212.png 800w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Total-Accounts.png 825w\" sizes=\"auto, (max-width: 676px) 100vw, 676px\" \/><\/figure>\n\n\n\n<p>This is your total number of accounts \u2013 credit or non-credit \u2013 from companies that report to the main credit reference agencies. For example your current account counts for one, your mobile phone contract counts for another. Any outstanding loans you may have will also count. The more of these agreements you have, the better lenders see you.<\/p>\n\n\n\n<p>Lenders like to see several different accounts in total, because it means you are able to manage different forms of credit. It also shows that multiple institutions trust you as a borrower. This gives lenders the confidence to lend to you. If you have ten or more accounts in total, lenders will take this as a good sign that you can manage one more.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-credit-quality\"><span class=\"ez-toc-section\" id=\"Credit_Quality\"><\/span>Credit Quality<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"698\" height=\"1024\" src=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Credit-Quality-698x1024.png\" alt=\"\" class=\"wp-image-7908\" srcset=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Credit-Quality-698x1024.png 698w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Credit-Quality-205x300.png 205w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Credit-Quality-768x1126.png 768w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Credit-Quality-380x557.png 380w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Credit-Quality-800x1173.png 800w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Credit-Quality.png 815w\" sizes=\"auto, (max-width: 698px) 100vw, 698px\" \/><\/figure>\n\n\n\n<p>It\u2019s not just a numbers game. Lenders also want to see you holding multiple different types of credit. Different types of credit have varying levels of impact on your credit quality. This impact can be positive or negative. Payday loans, for example, have the biggest impact on your credit quality. However, they make a negative impact, because payday loans show that you are desperate for money. (See our article on <a href=\"https:\/\/www.check.co.uk\/blog\/loan-affordability-checks\/\" target=\"_blank\" rel=\"noreferrer noopener\">Short-Term Credit<\/a> for more on that.)<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><thead><tr><th><\/th><th>Type of Loan<\/th><th>Type of Impact<\/th><\/tr><\/thead><tbody><tr><td><strong>Highest Impact<\/strong><\/td><td>Payday Loan<\/td><td>Negative<\/td><\/tr><tr><td><\/td><td>Mortgage, Secured Loan<\/td><td>Positive<\/td><\/tr><tr><td><\/td><td>Unsecured Loan<\/td><td>Positive<\/td><\/tr><tr><td><\/td><td>Credit Card<\/td><td>Positive<\/td><\/tr><tr><td><\/td><td>Bills and Telecom<\/td><td>Positive<\/td><\/tr><tr><td><strong>Lowest Impact<\/strong><\/td><td>Overdraft<\/td><td>Positive<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>If you\u2019re looking to borrow in the near future and you\u2019ve had a payday loan recently, make sure you pay off the loan right away. Don\u2019t apply for any more credit for at least three months. During this time, ensure you are keeping on top of your other credit arrangements. This maintains your credit quality and demonstrates your creditworthiness to lenders.<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-credit-lifespan\"><span class=\"ez-toc-section\" id=\"Credit_Lifespan\"><\/span>Credit Lifespan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"654\" height=\"1024\" src=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Credit-Lifespan-654x1024.png\" alt=\"\" class=\"wp-image-7910\" srcset=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Credit-Lifespan-654x1024.png 654w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Credit-Lifespan-192x300.png 192w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Credit-Lifespan-768x1203.png 768w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Credit-Lifespan-380x595.png 380w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Credit-Lifespan-800x1253.png 800w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Credit-Lifespan.png 812w\" sizes=\"auto, (max-width: 654px) 100vw, 654px\" \/><\/figure>\n\n\n\n<p>Your credit lifespan is the age of your oldest account. In many cases, this will be your current account, but it can be other things. If you\u2019ve had a bank account with an overdraft for several years, it\u2019s best to avoid closing it. Lenders love to see years of experience in managing credit, so make sure you keep your oldest account open. If you close your oldest account, your credit lifespan is only as long as your next oldest account, which means you\u2019ll lose years of experience on your record. Keep as many of your accounts open as you can. Seven years and older is the sweet spot!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-hard-searches\"><span class=\"ez-toc-section\" id=\"Hard_Searches\"><\/span>Hard Searches<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=\"527\" src=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Hard-Searches.png\" alt=\"\" class=\"wp-image-7911\" srcset=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Hard-Searches.png 817w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Hard-Searches-300x194.png 300w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Hard-Searches-768x495.png 768w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Hard-Searches-380x245.png 380w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Hard-Searches-800x516.png 800w\" sizes=\"auto, (max-width: 817px) 100vw, 817px\" \/><\/figure>\n\n\n\n<p>You may be familiar with the terms \u201chard credit search\u201d and \u201csoft credit search\u201d already, but in case you aren\u2019t, here\u2019s a quick explanation.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Hard Searches<\/td><td>This is when a lender uses their internal system to look at your credit history and decide whether to lend to you i.e. when you apply for new credit The lender instantly informs the credit reference agencies, who go on to add a hard search marker to your credit report.<br><br>This hard search will be visible to other lenders who look at your report, because it shows when and how often you are seeking to borrow money. Hard searches are only performed when you apply for credit.<br><br>In fact, while not required by data protection law, it is considered best practice for lenders to get your consent for a hard search beforehand, to save legal headaches later on.<br><br>When you take out a loan or a new lease, it will always involve a hard search. Too many hard searches in a short space of time sends the message that you\u2019re desperate to borrow money.<br><br>This is easier done than you might think. For example, if you apply for credit from Lender A, and then a week later apply for credit from Lender B, Lender B will see a hard search from Lender A. Now, Lender A might still be processing your application, but to Lender B, it looks like Lender A turned down your application.<br><br>This obviously looks bad, and so Lender B may reject your application.<br><br>Seems unfair, but remember, it\u2019s about risk, not your actual circumstances.<br><br>Try to space out your credit applications to avoid rousing suspicions. Better still, if you sign up with Credit-Score, we can tell you when best to borrow depending on your unique circumstances.<\/td><\/tr><tr><td>Soft Searches<\/td><td><br>When you have your credit file searched for purely informational reasons, such as for a quote or to get a credit score, this is a \u201csoft search\u201d. Soft credit searches do appear on your file, but they\u2019re only visible to you, not to others.<br><br>This is because you\u2019re not actually applying for credit, you\u2019re just trying to find out information about your credit report, such as your creditworthiness. It would hardly be fair if every time you logged into Credit-Score, it lowered your credit score!<br><br>Our 24-Factor Credit Check uses Soft Search Technology, so our credit tools never leave a hard search stain on your report.<\/td><\/tr><\/tbody><\/table><\/figure>\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_0e853162-e787-4a5c-8752-d6ffcb98962a\">\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: #0693e3; width: 250px; \">\n\t\t\t\t\t<p class=\"ub_cta_button_text\" style=\"color: #FFFFFF; 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<p><\/p>\n\n\n\n<p>More focused on your credit rating? Well, get started for free with&nbsp;<a data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/www.check.co.uk\/register&amp;source=gmail&amp;ust=1661250281502000&amp;usg=AOvVaw1y4bwW3ZreyR4AVsqelp8F\" href=\"https:\/\/www.check.co.uk\/register\">Credit-Score&#8217;s 24- Factor Credit Check<\/a>&nbsp;to truly help you improve your creditworthiness and how lenders view you. (Remember: lenders don\u2019t just 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><\/p>\n","protected":false},"excerpt":{"rendered":"One of the six Credit Factors on Credit-Score\u2019s 24-Factor Credit Check is based on your credit activity. This&hellip;\n","protected":false},"author":19,"featured_media":2528,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[254,319,275,317],"tags":[417,371,419,420,366,418,407],"class_list":{"0":"post-3591","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credit-cards","8":"category-lender-report","9":"category-loans","10":"category-credit-score-account","11":"tag-bills","12":"tag-credit-activity","13":"tag-credit-search","14":"tag-hard-search","15":"tag-lender-report","16":"tag-searches","17":"tag-soft-search"},"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2018\/11\/paying.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 v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>24-Factor Credit Check: Credit Activity | Check.co.uk - See the problems your credit score hides<\/title>\n<meta name=\"description\" content=\"Discover how your credit activity impacts your credit score. Learn why lenders assess your spending habits, repayments, and credit usage, and how you can improve your financial health. Read more at Credit-Score.co.uk\" \/>\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\/lender-report\/credit-activity\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"24-Factor Credit Check: Credit Activity | Check.co.uk - See the problems your credit score hides\" \/>\n<meta property=\"og:description\" content=\"Discover how your credit activity impacts your credit score. Learn why lenders assess your spending habits, repayments, and credit usage, and how you can improve your financial health. 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