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Get your free Experian credit score

We believe that the best results are achieved through strong working relationships based on a mutual interest in helping clients achieve their financial goals. That is why STARTIN is proud to be in partnership with Experian – the UK’s most trusted* credit bureau.

Did you know there is another version of you?

While you have been getting on with life, every time you’ve applied for credit companies have been measuring your credit score: a global system of ranking people’s credit health based on how well they pay back debts. This is a universal check-up that tells a lender how well you have been managing your debt and commonly known as a credit check. *‘Most trusted’ based on 57% of 1086 respondents. ICM Unlimited survey June 2018’.

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What is personal financial planning?

Personal financial planning means defining a strategy for decision making around money and resources using control tools, which must be set according to your personal goals and circumstances.

How do I handle personal financial planning?

Financial planning is not a once-off process, but it should be ongoing throughout your lifetime. Identifying and balancing your income versus your expenditure, choosing where to invest your money and renegotiating debt when necessary are also part of personal financial planning. Fortunately, the principles of sound financial planning are simpler than most people realise.

STARTIN can design a financial plan that suits your personal goals. Whether you are aiming at purchasing a home, or trying to eliminate your debts, we can help you to achieve your financial goals in a way that will not damage your credit score.

What is credit?

Using credit means you can gain something of value and pay for it later. Some people buy their groceries on a credit card and pay it off after a few weeks. Or you might buy a new outfit for a job interview and pay for it a few months later. Depending on when you pay back the credit, you might pay interest or fees, but the convenience can make the extra money worthwhile.

What is credit?

New paragraph

What is personal financial planning?

Personal financial planning means defining a strategy for decision making around money and resources using control tools, which must be set according to your personal goals and circumstances.

How do I handle personal financial planning?

What is a credit score?

Your credit score helps banks and lenders decide whether or not to lend you money. Your credit score is based on your personal data, though each company may calculate it slightly differently. The higher your credit score, the stronger your chances of being offered credit. A good rating can help you borrow larger amounts or even pay less interest. In almost every country in the world, your credit score is the gateway to borrowing the money you need, so it is important to look after it.

An Experian account allows you to access your Experian Credit Score for free. Your credit score is updated every 30 days from when you log in, giving you the most up to date reading every time you check it.

Your Experian credit score is a number from 0-999 that is worked out based on your credit history and other information. It can also help you to get a good idea of how lenders may view you as a potential client. The system works like this: the higher your score, the more likely you’ll be approved for credit cards, personal loans and mortgages.

What is a credit score?

What is a credit score?

Money lenders usually look at several factors including your salary, existing debts and savings and investments when considering your application. Your credit score is often the most important factor in deciding whether your application is approved or rejected.

Whether you’re buying your first home, a new family car or even if you’re wanting to study further, it’s important to make sure you are in the best position to qualify for the loan that you need to fulfil your financial and life goals.