Academy
Training Session · Beginner · 12–15 min+50 Mortgage Fitness Unlocks: Credit Confident badge

Credit Scores Explained

Your credit profile is one of the strongest signals a mortgage lender has. In this session you'll learn how it actually works, run an interactive utilisation lab, self-assess your credit health and leave with a personalised action plan.

Welcome

Credit isn't magic — it's a track record.

Most people confuse "credit score" with "credit profile". Lenders barely look at the score itself — they read the underlying data. Once you understand what they see, you can shape it long before you apply.

See what lenders see

Run a utilisation lab

Earn the Credit Confident badge

Getting Your Mortgage Ltd

Financial Fitness for Home Ownership

Working out your way home.

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Company

Legal

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Company details: Getting Your Mortgage Ltd. Registered office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF, United Kingdom. ICO registration: ZC177396.

Regulatory status: GYM provides Mortgage Fitness guidance only and is not itself authorised by the Financial Conduct Authority to give regulated mortgage advice. Any regulated mortgage advice is provided by FCA-authorised advisers we introduce you to, after a full fact-find. The Mortgage Fitness Score is for guidance only and is not a mortgage offer, decision in principle or guarantee of approval.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Think carefully before securing other debts against your home. Buy-to-let mortgages and some forms of commercial or overseas lending are not regulated by the Financial Conduct Authority.

© 2026 Getting Your Mortgage Ltd. All rights reserved.

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