Your credit score shows how you’ve managed your money in the past. It’s made up of things like your debts, store cards, bill payments, and car loans.

We look at your credit file during the application process to assess your past and present credit behaviour and conduct. For example, whether you have any defaults or CCJs.

You can get a free copy of your credit report from the credit reference agencies such as Experian, Equifax, TransUnion.

To learn more on how to improve your credit score, read our FAQ on this here.

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