WHAT’S THE SCORE?
Your credit score is a figure produced by credit bureaus and is made available to any potential lenders who will be checking your credit report after you have made an application with them.
The lender will see how high your credit score is and can sometimes make an immediate decision based on the figure.
It may seem that credit report services wield quite a lot of power over consumers. That report can help a potential lender decide whether you will be getting a mortgage or a credit card.
It may be news to you that 1 in 3 reports contain incorrect information usually caused by out of date information, system errors and human errors. These errors can be the difference between an accepted mortgage application and a decline.
Fortunately, there is a series of regulations in place to make sure that if you access your credit report and feel the information held is incorrect, and even damaging, then you can dispute it
UK CREDIT RATINGS
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