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How UK credit actually works

Lesson 1 of the Credit Sorted course. Nothing to buy, nothing to sign up for — it plays the moment you press play.

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What this lesson covers

Who actually holds your credit file — and why it isn't one single record
Why Experian, Equifax and TransUnion disagree with each other, and what that means for you
Where the score in your app comes from — and why the lender reading your application isn't looking at that number

Most people start fixing their credit before they understand the machine they're acting on. That was my mistake, and it cost me most of a quarter. Ten minutes here will save you weeks of pulling the wrong levers.

When you're ready for the whole thing

The Credit Sorted Blueprint is the full 90-day system — week by week, in the right order, built for the UK.

Look at the Blueprint — £27

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