Lenders make use of your credit history (or credit history) to determine whether or not to provide you with credit or provide you cash. Knowing it will help you negotiate better deals, or understand why a lender rejected you.
Your credit rating will be based upon personal and information that is financial you that's kept in your credit file.
There is the straight to access your credit rating and credit file free of charge.
If you'd like to fix something in your credit history, see credit fix.
Get your credit rating at no cost
Avoid any provider that asks one to spend or let them have your credit card details.
Exactly just How your rating is calculated
Your credit rating is calculated based on what is in your credit file. As an example:
- the money youвЂ™ve borrowed
- how many credit applications youвЂ™ve made
- whether you spend on time