Blogs & Articles
Insights, tips, and stories to help you make smarter financial choices, stay updated with Stashfin's latest news and ideas.
Can a Landlord Check Your Credit Score?
Most people associate credit checks with loan applications, but landlords and property managers increasingly use credit reports as part of tenant screening. This page explains what a landlord credit check involves, what property managers can see, what score is typically needed to rent, and how to prepare your credit profile before applying for a rental.
How Student Loans Impact Your Credit Score
Student loans are often the first significant credit obligation a young borrower takes on, and how they are managed has a lasting effect on the credit profile built during and after the education years. This page explains how student loans affect your credit score — both positively and negatively — covering on-time payments, default, and the nuances of deferment.
Does Utility Bill Payment Affect Your Credit Score?
Most people pay their electricity, water, gas, and phone bills on time every month — yet this consistent financial behaviour has traditionally gone unrecognised by credit scoring models. This page explains why utility bills do not automatically affect your credit score, when they can, and how newer opt-in services are changing the picture for borrowers who want their payment habits to count.
What is a Good Credit Score for a High Credit Limit?
A high credit limit is not just a matter of spending power — it is a reflection of how much trust a lender is willing to extend based on your financial profile. This page explains the connection between your credit score and the credit limits you can access, and what it takes to qualify for significantly higher limits on credit cards and revolving credit products.
How to Dispute a Collection on Your Credit Report
A collections entry on your credit report is one of the most damaging things that can appear on it — and one of the most contested. Whether the collection is inaccurate, outdated, or simply being reported incorrectly, you have the right to challenge it. This page explains the dispute process, how to deal with third-party debt buyers, and strategies for removing or minimising the impact of collections on your score.
Does Increasing Your Credit Limit Help Your Score?
Requesting a higher credit limit is one of the quickest and most underused strategies for improving a credit score. By increasing the gap between what you owe and what you are allowed to borrow, a limit increase can lower your utilisation ratio almost instantly. This page explains exactly how it works, when it helps, and what to watch out for.
