The insider knowledge lenders have — now yours

The credit score is a distraction.
Zari shows you what actually matters.

Your credit report tells a story. Lenders read every word of it — and most people have no idea what it says.

Zari translates it into plain English and tells you exactly what to fix, in what order, and what happens when you do.

✦ You're on the list — we'll be in touch soon.
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M
J
P
2,400+ people on the waitlist
What's actually on your report
Not just a number. Zari reads your full credit report — every account, every search, every default — and tells you what each one means in plain English.
What lenders actually see
Different lenders read your report differently. Zari tells you how Barclays, Nationwide, or Ford Finance would interpret your file — and whether you'd get approved.
What BNPL, overdrafts and searches really do
The things that silently damage your report — Buy Now Pay Later, frequent cash advances, multiple applications — decoded and explained before they cost you a mortgage.
Your exact next move
Not a list of ten generic tips. Zari tells you the one thing to do first, what it will change, and how long it will take. Specific. Ranked. Yours.
"I had a 680 score and had no idea I'd been financially linked to an ex-partner for six years. That one thing was the reason I kept getting declined. Nobody told me — Zari did."
Marcus T. — self-employed, Birmingham
94%
Of renters unaware their
ex-flatmate is on their report
9M
UK adults have mistakes on
their credit file right now
50%
Of consumers affected by
Experian's new scoring model
£1,000
Extra paid annually due to
a damaged credit file

The score is what
they show you.
The report is what counts.

The score is a distraction. Zari shows you what lenders actually read — and exactly what to do about it.

Zari provides credit education and impact analysis. This is not regulated financial advice.
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Sarah M.
Good morning, Sarah
Well done on reducing your card balance last month — those changes are showing. Your score improved +18 points since last month. Here's your full picture.
EXPERIAN SCORE
683/999
Fair — improving ↑
Up +18 pts since last month
0999
What's affecting your score
Credit utilisation 87% — High
Payment history 100% on-time
Hard searches 2 this year
️
Electoral roll Not registered
Account age 6.2 year avg
Your action plan — top 3 moves
️
Register to vote
You're not on the electoral roll — a free, 5-minute fix that lenders specifically check for.
+15–25 points estimated
Reduce card utilisation
Pay your Barclaycard balance down to under £900. That takes you from 87% to the magic 30% threshold.
+30–50 points estimated
Ask Zari anything
Want to know how a specific card, loan or mortgage would affect your report? Just ask.
Ask Zari now →
683
Fair / Experian
↑ +18 this month
Your Profile
Utilisation
87%
Payments
100%
Hard searches
2 / yr
Electoral roll
No
Account age
6.2 yrs
Open accounts
3
Ask Zari
✦

Zari

Analysing your profile

✦
Zari
Hi Sarah. I've read through your full credit report — not just the number.

The good news: your report is largely clean. Strong payment history, solid account age, no defaults or CCJs. But there are two things a lender would flag immediately when they read your file — your utilisation at 87% and not being on the electoral roll.

These aren't score tips. This is what an underwriter actually circles. Ask me anything — I'll tell you what lenders really see, not what the marketing wants you to focus on.
Action Plan
1
Register to vote
+15–25 pts
2
Reduce utilisation
+30–50 pts
3
Pause applications
Protect score
4
Keep 100% payments
Maintain base
Snapshot
Score: 683 / 999
Card limit: £3,000
Balance: £2,610 (87%)
Accounts: 3 open
Oldest: 8 years
Missed payments: None
For education only. Zari provides credit information and impact analysis — not regulated financial advice. Consider your full circumstances before applying for any credit product.