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Credit scoring explained

Your credit score explained

  • Checking your credit file is important – Which? shows you how to get hold of yours
  • Find out what information credit reference agencies hold about you
  • Why an inaccurate file can cost you dear, and how to fix it
  • Common myths explained, as well as advice on repairing your credit score

What's in this guide

How it works

What your credit score is used for and why it matters.

Your credit file

What’s in my file and how credit reference agencies work.

How to improve your credit score

A few ways to help boost a credit score in need of some TLC.

Problem solvers

Common questions to help you overcome credit report hurdles.