![]() ![]() ![]() However, certain things will have a negative impact on your score regardless of the agency - for example, not being on the electoral roll, or making a late payment.īear in mind that the timing of entries in your report is more important than the type of activity. Like lenders, each credit reference agency has its own system for assessing your creditworthiness, and will take into account different factors when calculating a score. Your score will ultimately be based on how responsibly you use your credit facilities.įor example, you lose 130 points with Experian if you fail to pay a bill on time but will gain 90 points if you use 30% or less of your credit card limit. Your data will be processed in accordance with our Privacy policy What affects my credit score? This newsletter delivers free money-related content, along with other information about Which? Group products and services. ![]() For example, a score of less than 560 is 'very poor' with Experian, but 'good' with Equifax. However, a good credit score from a credit reference agency is no guarantee that your application will be successful.Īnd confusingly, each credit reference agency uses a slightly different scale. The higher this number, the higher your chances of getting access to market-leading credit deals. To give you a better idea of how your application might be viewed by lenders, credit reference agencies produce their own version of your credit score. Each lender has its own system in place to decide whether or not to accept you as a customer, meaning you could be turned down by one, but successful with another.įind out more: all you need to know about credit reports Why does my credit score change on different sites? There's no such thing as a universal credit score. The rating is calculated using a points system based on the information in your credit report which can reveal how you've managed your debts and bills in the past.Ĭredit reports are compiled by credit reference agencies - the three main agencies in the UK are Experian, Equifax and TransUnion. More details on software and accessibility are available at credit score is a three-digit number that indicates how reliable you are at borrowing and repaying money. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. Further information is available in our FICO Data Privacy Policy. When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Many factors affect your FICO Scores and the interest rates you may receive. Equifax Credit Report is a trademark of Equifax, Inc. Learn moreįICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Your lender or insurer may use a different FICO ® Score than the versions you receive from myFICO, or another type of credit score altogether. All rights reserved.Īll FICO ® Score products made available on include a FICO ® Score 8, and may include additional FICO ® Score versions. Coverage may not be available in all jurisdictions. Please refer to the actual policies for terms, conditions, and exclusions of coverage. The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Monitored credit report data, monitored credit report data change alerts, FICO ® Score updates, FICO ® Score alerts, monitored transactions, and alert triggers, timing and frequencies vary by credit bureau. Not all credit report data or transactions are monitored. All subscriptions include a FICO ® Score 8, and may include additional FICO ® Score versions. ![]() You may cancel at any time however, refunds are not available. Your subscription automatically renews monthly at $0 for Free Plan, $19.95 for Basic, $29.95 for Advanced, or $39.95 for Premier, unless you cancel. ![]()
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