Understanding your credit score can feel like a daunting task. But improving it could be simpler than you think…
If you’re planning to borrow money this year, whether through a loan, re-mortgaging or opening a new credit card, your credit score will be the biggest indicator as to whether the bank will say yes or no.
But what exactly is it? Well, it’s very simple. Credit reference agencies collect data about you and your money and use it to build a credit report. Your credit score—or credit rating, as it’s often called—is just a numerical representation of this report.
The report itself contains information such as your address and date of birth, as well as how much money you currently owe, any bank accounts you have and details of missed payments, bankruptcies or defaults.
This story is from the March 2018 edition of Reader's Digest UK.
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This story is from the March 2018 edition of Reader's Digest UK.
Start your 7-day Magzter GOLD free trial to access thousands of curated premium stories, and 8,500+ magazines and newspapers.
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