Credit When You're Self-Employed

Welcome

Irregular income changes how a credit file should be managed.

Most credit advice for self-employed people focuses on how a mortgage application gets assessed later — SA302s, two years of accounts, and so on. That matters, but it's only half the picture. Irregular income also changes how a credit file should be managed day to day: how utilisation behaves when a tax bill lands, why mixing business and personal spend on one card reads badly to a snapshot check, and how a limited company's borrowing does and doesn't protect the director personally. This session is about managing the file deliberately, not just surviving the application.