credit score rating

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what and why

Your Credit score is designed to show you, by way of a number, the strengths and weaknesses of the information in your credit report.

The information in your credit report is used by most credit and service providers as an important contribution to the development of their own credit risk score. This, along with your employment history; your income and affordability assessments as well as the type of credit for which you are applying, may affect the outcome of your credit application.

If you want to apply for credit to buy a home or car, for example, or to apply for an increase in your credit limit, your credit score can serve as a guide. A poor, unfavourable or below average score indicates that you have some work to do to improve your credit risk rating.

Your Credit score is designed to show you, by way of a number, the strengths and weaknesses of the information in your credit report.