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How much of my credit limit should I aim to be using?

It's important for lenders to see that you can borrow money and use credit responsibly. Showing you are able to use credit when you want to without relying on it to get by will improve your score. As a general guide, you should try to use less than 50% of your available credit limit. Excessive use of lending can be a sign that you are financially stretched.

How can I check how much of my available credit I'm using?

You can check this by looking at your credit accounts or statements to see the total balance on your account after your transactions have been processed. Your lender should also inform you of your credit limit.

How do I dispute something on credit report?

Please consult TransUnion's FAQs (opens in a new window) to discover how you can find further information about your credit report and how to raise a dispute.