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Understanding Your Credit Score Before You Apply

Your credit score is one of several pieces of information a lender may consider when assessing an application.

Check your credit report

Review reports from the main credit reference agencies and make sure your personal information and account history are accurate.

Keep payments up to date

Paying commitments on time can demonstrate consistent financial management. If you are worried about a payment, contact the provider as early as possible.

Use eligibility checks

Where available, a soft-search eligibility check can help you understand your options without affecting your credit score.