Your Credit Score
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A lot of things could impact your credit score, but they’re not always things you’d expect.
There are three main credit reference agencies in the UK, each collecting information about you from public records, lenders and other service providers, before generating a ‘credit score’.
Each agency does this independently, so the details they hold and the score they generate can vary.
In addition, lenders and other service providers do their own scoring when you apply for credit, looking at information from your credit record, as well as other factors like affordability and any past account history.
The truth is, lots of factors can impact the credit score generated by each credit reference agency, but the way you manage your financial accounts is a big one.
Below are a some of the other things which could impact your credit score.
You might also be surprised about the things which don’t impact your credit score, although it’s worth remembering lenders might consider some of them from an affordability perspective.
Credit reference agencies collect information about you and your financial past, generating a score.