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Updated: Feb 02, 2024

Does GamStop Affect Credit Rating?

If you are exploring Gamstop or considering signing for Gamstop self-exclusion, you might wonder if Gamstop will affect your credit rating. Using the Gamstop self-exclusion tool will not affect your credit score.

You might risk your credit score if you borrow using credit cards to fund your gaming habits. Lenders will consider your spending on betting activities if they are significant. Normal gambling is normal and will not affect your credit score.

When you want credit or mortgages, lenders will consider your risk as a borrower. Prudent personal finance management provides assurance you will pay back your loan. Bad spending habits like borrowing to gamble may negatively affect your credit score. However, joining Gamstop won’t impact your credit profile since it helps you deal with gambling problems or overcome addiction.

Gamstop is a service that helps players self-exclude from online UKGC casinos to deal with problem gambling. Gamstop has gained popularity in the online gambling community across the UK. It was officially launched in 2018 by NOSES (National Online Self Exclusion Scheme Limited) to deal with problem gambling and advocate for responsible gambling. 

In 2020, UK Gambling Commission introduced regulations requiring all UK-licensed casinos and operators to adopt Gamstop. UKGC also requires operators to increase awareness of problem gambling and offer self-exclusion options like Gamstop.

Does Gamstop affect credit rating.

You can find more information on how Gamstop uses and protects your personal data on their Privacy Policy webpage – www.gamstop.co.uk/privacy-policy

Read on for a full guide to Gamstop and whether it affects your credit score.

What is the meaning of ‘credit score’?

A credit score is a number that represents an individual’s creditworthiness and likelihood of repaying debts. The score is calculated based on a person’s borrowing and repayment history across types of credit like credit cards, loans, mortgages, etc. 

Credit bureaus like Experian analyze data on timely payments, amounts owed, credit history length, new credit, and other factors to assign a score typically between 300-850. Higher scores signal greater creditworthiness.

They are a key component of “Know Your Customer” protocols used to approve a loan facility. Good credit demonstrates financial responsibility, and poor credit may indicate unreliability.

Factors Affecting Your Credit Rating

Your credit score is a number that reflects your creditworthiness. It’s based on information from the major credit bureaus, including Equifax, Experian, and TransUnion. Each bureau has its scoring model, so the scores you receive from each agency are not necessarily identical. 

Credit scores range from 300 to 850, with a perfect score around 700 or higher. The higher your score, the lower your interest rates will be on loans and loans secured by real estate properties. Your score can also affect your ability to get business loans or lines of credit, as well as other types of financing.

Several factors impact your score

Unpaid Billing Accounts

Unpaid bills may negatively affect your credit rating because they show up as unpaid debts on your credit report. They can make it harder for lenders to give you new lines of credit in the future.

Your Payment History

Payment history tends to be one of the biggest factors in determining whether an individual qualifies for a loan or line of credit. Lenders typically look at how many months you’ve been paying on time to determine if you’re reliable enough to be granted access to their services.

Your Credit History

Your credit history affects how much lenders will be willing to lend you and how much interest they will charge. The longer you have been using credit, the more likely you will be approved for any loan or other line of credit. If you have poor credit, it will be harder for lenders to approve your application.

Factors Affecting Your Credit Rating.

Irresponsible Gambling Using Your Credit Card

You may be surprised that irresponsible gambling with your credit card can affect your credit rating. If you overindulge in gambling, it may lead to late payments on your bills and even bankruptcy. If you have a bad history of borrowing money and not paying it back, this will hurt your credit score.

Does Gamstop Affect Mortgage?

Gamstop has no impact on your ability to get a mortgage. Gamstop may search credit reference agencies when verifying your identity. The verification will not appear on your credit file since it’s a soft check. Also, the verification will not affect your ability to qualify for a mortgage. Only you will see it after requesting a copy of your credit report, and the search is not visible to lenders.

Factors Affecting Your Ability to get a Mortgage

Your ability to get a mortgage, depending on your credit score, depends on several factors. Unless you are a problem gambler, your gambling activities will not impact getting a mortgage. Gambling is considered a normal expense if you spend reasonable amounts on gambling platforms. So, setting aside a specific amount from your paycheck to gamble online is okay.

Does Gamstop impact mortgage?

Low Credit Score

If you have a poor credit rating, you may find it difficult to get a mortgage. Your lender may require you to pay back more than the amount that you borrow.

Your credit score is the average of all your financial accounts and their types. If you have a lower credit score, you may have more debt than higher-credit-rated individuals.

Being Heavily Indebted 

The chances of getting approved for a mortgage are slim if you are heavily indebted. This is because lenders will be reluctant to give out loans to individuals who are already heavily in debt and can’t afford to repay them. If your circumstances change, then it is possible that you can get approved for a mortgage again but only at a higher interest rate.

Excessive Gambling Using Credit Cards

Excessive gambling using credit cards will also affect your ability to get approved for a mortgage. Lenders will not want to be associated with someone who has lost control over their finances and spends on frivolous items.

Credit Card Ban in UK’s Gambling Community

UK punters can block their credit and debit cards at online casinos. You can block your credit card at the casino or the bank. Effectively, you have self-excluded yourself from online casinos and sports bookies.

After blocking the card, you cant transfer funds to any gambling platform. The exclusion option via cards will help you deal with any gambling-related problems. The exclusion option only applies to online operators with a UK Gambling Commission license.

Which Credit Agency Does Gamstop Use?

Gamstop only pulls a soft search of your credit score to verify your identity. The search will not affect your credit nor appear on your credit report. Gamstop will check with the major credit bureaus, including Experian, Equifax, and TransUnion.


What is credit rating?

Credit rating is a numerical value assigned to a consumer’s ability to repay debts. You would have a good chance of making your loan payments on time if you have a high score.

What’s the importance of credit scores?

Credit scores are an important part of your financial well-being. A credit score is also used to determine whether or not you will be approved for credit cards, car loans, mortgages, and other types of loans.

Will Gamstop show on my credit file?

No. Your Gamstop self-exclusion will not appear on your credit file nor affect your credit score. Your ability to get credit or a mortgage will not be affected.

Are there mortgage challenges for Gamstop registered users?

No. GamStop’s verification check is soft and does not affect your credit score or mortgage eligibility. It is visible only to you and will not impact your mortgage chances.

How does gambling impact mortgage eligibility?

Regular and minimal gambling activities don’t affect your credit score or mortgage application. However, problematic gambling behavior, evident through gambling debt and excessive gambling expenses, can cause lenders to reject your mortgage application.

What should you do if your mortgage application is denied?

If your mortgage application is declined due to gambling-related concerns, consider seeking financial advice, addressing your gambling habits, and improving your financial stability before reapplying. You can also consult a mortgage broker, who can provide valuable insights and assistance navigating the application process.


Gamstop self-exclusion doesn’t affect your credit score. Being on Gamstop will not reduce your credit score or prevent you from getting loans or mortgages. Other factors like your credit score, the amounts you use to gamble, or your payment history might impact your score. Gamstop is perfect for those looking to manage their gambling activities or deal with gambling addiction.

Our GamStop Information Hub

We’ve created an extensive information hub to assist readers in learning all about GamStop self-exclusion. Peruse our list of detailed articles covering key topics and frequently asked questions to better understand how GamStop works. Get answers to your burning questions about exclusions, operator requirements, cancellations, potential bypass methods, and more.

Information About our Author

Harry Evans profile photo.

Position: CMO / Chief Redactor, Gambling Expert & Author

Experience in Gambling: Since 2013

Greetings! My name is Harry Evans, and I’m delighted to share my passion for the gambling industry with you at sitesnotongamstopuk.net. I have been involved in this dynamic field since 2013, accumulating extensive experience along the way. As part of my role, I curate a comprehensive collection of online gambling sites, with a specific focus on those not affiliated with the Gamstop self-exclusion program. So, delve into our listings of the best gambling sites not on Gamstop and discover your perfect match!