Credit Rating
Banks and other lenders assess each and every one of us on the basis of our credit rating when we apply for a mortgage, a credit card or a loan.
Financial organisations want different types of customers at different times, so this has an impact on whether or not you will be accepted for a particular deal. For example, some lenders will turn down people with very good credit ratings because they do not expect to make any money from them.
However, lenders do rely heavily on data from the three main credit reference agencies in the UK: Experian, Equifax and Call Credit. This is why it's important to know about the information held on your credit rating.
There are deals available that give you access to this information below.
Here's a useful guide to understanding and improving your credit rating:
