What affects my Credit Profile?

When you apply for credit lenders want to know how you have managed your credit agreements so they can assess the risk of you missing payments in the future.

Your credit profile shows your credit agreements for the last 6 years, whether you have kept your payments up to date and if you have any County Court Judgments or defaulted on any accounts. Your credit profile can also be affected by the number of credit agreements you have or the amount you owe as this may indicate that you are financially overstretched.

In addition your credit profile and credit score can be affected by whether you are on the electoral roll or if you have a financial association with someone else.

By checking your Credit Compass credit report you can see the areas that may be affecting your score and so make appropriate decisions to improve your financial wellbeing.

What is a Credit Score?

Sign up today to view your credit report!

A monthly fee of £14.95 applies. Your first monthly payment will be taken 15 days after you register for your Credit Compass credit report.