5 things you didn’t realise were affecting your credit score

Make sure you’re keeping your credit score in top shape by avoiding these mistakes.

Credit score
Your credit score is vital for getting hold of a mortgage, credit cards and other types of loan
(Image credit: © Alamy)

Are you thinking about buying a house? Or applying for a loan or a credit card? If so, it’s a good idea to check your credit score beforehand to see exactly where you’ll stand with a lender.

Banks and other financial institutions will want to know your creditworthiness when going over your mortgage or credit card application. They will use your credit score to determine the amount of money they will lend you, if they want to lend to you at all.

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Nic studied for a BA in journalism at Cardiff University, and has an MA in magazine journalism from City University. She has previously worked for MoneyWeek.