Six things that don’t affect your credit score

What makes a good or excellent credit score? And what influences it? When it comes to applying for credit and understanding what information is actually involved in the final decision, things get a little complex.

How to improve your credit score – new eBook available!

When applying for any form of credit, having a good credit score is incredibly important and it will ultimately affect all financial commitments in your life: loans, mortgages, credit cards and many other forms of credit are dependent on you having a good credit score.

Why Credit Ratings may let you down

Poor credit ratings can result in one lender after the other turning you down. Sometimes these poor ratings are the result of an inability to make repayments or reckless spending in the past. There are, however, times when other factors affect your rating without you actually having done anything wrong. Here are some of these factors.