Understanding Credit

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Let us help.</p> <p>聽</p> </div> </div> </div> <div class="col-sm-5 column"> <div > </div> </div> </div> </div> </div> </div> </div> <div class="breadcrumbTab"> <div class="breadcrumbTabLeft"></div> <div class="breadcrumbTabRight"></div> <div class="breadcrumbTabRightSlash"></div> <div class="breadcrumbTabBottom"> <ul class="breadcrumb"> <li><a href="/"> <i style="padding:0;color:black;padding-right:0.5em" class="fa fa-home"></i></a></li>  <li><a href="https://www.vanquis.co.uk/">Vanquis</a> <i style="padding:0; padding-right:0.5em; padding-left:0.5em" class="fa fa-angle-right"></i></li> <li id="breadcrumbDecision" class="active">Understanding credit</li> </ul> </div> </div> </div> </div> </div> </section> <div class="page">   <article class="maincontent is-page-content" style=" "> <section> <div class="umb-grid"> <div class="grid-section"> <div > <div class='container'> <div class="row clearfix"> <div class="col-sm-12 column"> <div > <h2 class="h2_section_content">Know more about credit</h2> <p>聽</p> <p>What can affect your credit score and how you can manage your debt, take a look for helpful guidance. Better understand the credit landscape and how to avoid problems.</p> <p>聽</p> </div> </div> </div> </div> </div> <div > <div class='container'> <div class="row clearfix"> <div class="col-sm-6 column"> <div > <div class="panel-inset"> <h3 class="section_content clrDark">Financial Problems & Struggles</h3> <p>聽</p> <p>Here we discuss the most common situations which can have a negative effect on your credit file and ways to approach them.</p> <ul> <li><a href="/understanding-credit/financial-problems/what-is-a-ccj">County Court Judgements (CCJs)</a></li> <li><a href="/credit-cards/low-income-credit-cards">Low Income or Self Employed?</a></li> <li><a href="/understanding-credit/financial-problems/no-credit-history-credit-cards">No Credit History</a></li> <li><a href="/credit-cards/credit-cards-after-bankruptcy-discharge">Bankruptcy Discharge</a></li> </ul> </div> </div> </div> <div class="col-sm-6 column"> <div > <div class="panel-inset"> <h3 class="section_content clrDark">Credit Score</h3> <p>聽</p> <p>Here you can find out what a "credit score" is, how it is calculated and what the lenders look for when considering their applicants.</p> <ul> <li><a href="/understanding-credit/what-is-a-credit-score">What is a credit score?</a></li> <li><a href="/understanding-credit/what-is-a-credit-score/late-payments-affect-credit-score">How late payments affect credit score</a></li> <li><a href="/understanding-credit/what-is-a-credit-score/how-to-check-credit-score">How to check your credit score</a></li> <li><a href="/understanding-credit/what-is-a-credit-score/does-closing-a-credit-card-impact-credit-score">Does closing a credit card impact your credit score?</a></li> <li><a href="/understanding-credit/hard-vs-soft-search-credit-check">Hard vs Soft Search Credit Check</a></li> </ul> </div> </div> </div> </div> </div> </div> <div > <div class='container'> <div class="row clearfix"> <div class="col-sm-6 column"> <div > <div class="panel-inset"> <h3 class="section_content clrDark">Rebuilding Credit</h3> <p>聽</p> <p>Here you can read more about ways to improve your credit and how they could benefit you.</p> <ul> <li><a href="/understanding-credit/what-is-a-credit-score/improve-credit-score">How to improve your credit score</a></li> <li><a href="/understanding-credit/what-is-a-credit-score/easy-steps-to-rebuild-your-credit">Easy steps to rebuild your credit</a></li> </ul> </div> </div> </div> <div class="col-sm-6 column"> <div > <div class="panel-inset"> <h3 class="section_content clrDark">Debt Knowledge</h3> <p>聽</p> <p>Read our guides on debt knowledge.</p> <ul> <li><a href="/understanding-credit/persistent-debt">Persistent debt</a></li> <li><a href="/understanding-credit/what-is-a-credit-score/pay-off-debt-to-improve-your-credit-score">Ways to pay off debt to improve your credit</a></li> </ul> </div> </div> </div> </div> </div> </div> <div > <div class='container'> <div class="row clearfix"> <div class="col-sm-6 column"> <div > <div class="panel-inset"> <h3 class="section_content clrDark">Other Resources</h3> <p>聽</p> <p>More useful information about the world of credit cards.</p> <ul> <li><a href="/understanding-credit/uk-card-capital">How card-reliant is your area?</a></li> <li><a href="/understanding-credit/what-is-apr">What is an APR?</a></li> <li><a href="/understanding-credit/what-is-a-credit-limit">What is a Credit Limit</a></li> <li><a href="/credit-cards/about-balance-transfer-credit-cards">Balance Transfer Credit Cards</a></li> <li><a href="/understanding-credit/credit-card-benefits">Credit Card Benefits</a></li> <li><a href="/existing-customers/credit-card-statements">Credit Card Statements</a></li> </ul> </div> </div> </div> <div class="col-sm-6 column"> <div > <div class="panel-inset"> <h3 class="section_content clrDark">Recommended Payments</h3> <p>聽</p> <p>Find out more why we are suggesting Recommended Payments to our customers and how they could benefit you.</p> <a href="/understanding-credit/recommended-payments" title="Check" class="btnGreen">Recommended Payments</a></div> </div> </div> </div> </div> </div> <div > <div class='container'> <div class="row clearfix"> <div class="col-sm-12 column"> <div > <p>聽聽</p> <p style="text-align: center;">The information displayed on these pages does not constitute financial advice. Always do your own research to make sure it is right for your specific circumstances and seek independent advice. We do not accept liability if you rely on any of the information displayed on these pages.</p> <p>聽</p> <p>聽</p> </div> </div> </div> </div> </div> <div class="experian-banner"> <div class='container'> <div class="row clearfix"> <div class="col-sm-7 column"> <div > <p style="text-align: left; color: #ffffff !important;" class="">聽</p> <p style="text-align: left; color: #ffffff !important;" class="h2_home_content">Improve your Experian credit score with Experian Boost</p> <p style="text-align: left; color: #ffffff !important;" class="h2_home_content">聽</p> <p style="text-align: left; color: #ffffff !important;">We're always looking at ways to help you so we wanted to let you know about <strong>Experian Boost</strong>, a free way to try and instantly improve your Experian credit score. By sharing additional information about how you manage your money, you could get an instant boost to your credit score.</p> <div data-aos="fade-up"> <p style="text-align: left;">聽</p> <p style="text-align: left;">聽</p> <p style="text-align: left;"><a id="" href="https://www.experian.co.uk/consumer/experian-boost.html" target="_blank" title="Experian Boost" class="btnHero2020">Boost now</a></p> <p style="text-align: left;">聽</p> <p style="text-align: left;">聽</p> </div> </div> </div> <div class="col-sm-5 column"> <div > </div> </div> </div> </div> </div> </div> </div> </section> <section> </section> </article>  </div> <div class="footerBowTie"> <div class="footerframeLeft"></div> <div class="footerframeRight"></div> <div class="footerframeLeftBottom"></div> <div class="footerframeRightBottom"></div> </div>  <div class="clearfix horizontalBannerContainer"> </div> </div>  <footer role="contentinfo" class="footer clearfix"> <div class=""> <div class="row"> <div class="footerContainer col-sm-4"> <div class="footerInner"> <p class="footer_section">Useful Links</p> <a href="https://www.vanquis.co.uk/contact-us">Contact us</a><br /> <a href="https://www.vanquis.co.uk/existing-customers/frequently-asked-questions">Frequently asked questions</a><br /> <a href="https://www.vanquis.co.uk/existing-customers/protect-yourself-from-fraud">Protect yourself from fraud</a><br /> <a href="https://www.vanquis.co.uk/accessibility">Accessibility</a><br /> <a href="https://www.vanquis.co.uk/site">Sitemap</a><br /> </div> </div> <div class="footerContainer col-sm-4"> <div class="footerInner"> <p class="footer_section">Legal Info</p> <a href="https://www.vanquis.co.uk/privacy">Privacy Notice</a><br /> <a href="https://www.vanquis.co.uk/cookies">Cookies</a><br /> <a href="https://www.vanquis.co.uk/vanquis-bank-legal-info">Vanquis Bank Legal Info</a><br /> <a href="https://www.vanquis.co.uk/summary">Credit card summary boxes</a><br /> </div> </div> <div class="footerContainer col-sm-4"> <div class="footerInner"> <p class="footer_section">Corporate Info</p> <a href="https://www.vanquisbankinggroup.com/"> Vanquis Banking Group <span class="fas fa-external-link-alt"></span> </a><br /> <a href="https://www.vanquis.co.uk/corporate-links">Corporate Info Links</a><br /> <a href="https://www.vanquis.co.uk/modern-slavery-act-statement">Modern Slavery Act Statement</a><br /> <a href="https://www.vanquisbankinggroup.com/careers/current-vacancies/"> Careers <span class="fas fa-external-link-alt"></span> </a><br /> </div> </div> </div> </div> <div class="footerBlock"> <div class="disclaimer"> <div style="display: flex; justify-content: space-around; align-items: center;"><a href="https://www.instagram.com/vanquis" target="_blank"> <img class="img-responsive" src="https://cdn-p.vanquis.co.uk/media/3158453/square_ig_icon.png" alt="Instagram Icon" /> </a> <a href="https://www.facebook.com/VanquisBank/" target="_blank"> <img class="img-responsive" src="https://cdn-p.vanquis.co.uk/media/3158450/square-fb_icon.png" alt="Facebook Icon" /> </a> <a href="https://www.linkedin.com/company/vanquis/" target="_blank"> <img class="img-responsive" src="https://cdn-p.vanquis.co.uk/media/3158452/linkedin_icon.png" alt="LinkedIn Icon" /> </a><a href="https://www.youtube.com/@Vanquis" target="_blank"> <img class="img-responsive" src="https://cdn-p.vanquis.co.uk/media/3158451/yt_icon.png" alt="Youtube Icon" /> </a></div> <p>聽</p> <p class="font10bigger"><strong>Vanquis Bank can be contacted at its registered office, which is at No. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. 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