The main factors that influence your credit score and how credit providers use it.
A credit score is a number calculated by a credit bureau to summarise the information on your credit report. Credit providers use it, alongside other information, when assessing applications.
Factors that typically matter
- Payment history
- Amounts owed relative to available credit
- Length of credit history
- Recent enquiries and new accounts
- Adverse information such as judgments or defaults
Each bureau uses its own model, so your score may differ between bureaus.
CrediSure Consultings provides credit advisory and assistance services. Eligibility and outcomes depend on individual circumstances, creditor responses and applicable legal requirements. No specific result, credit score improvement, debt deletion or loan approval is guaranteed. Information on this website is general in nature and is not legal advice.