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Your credit score is an official record on who you are – a full ID check – and your ability to stick to payments on debts and bills.
Any lender can check your credit score when they’re deciding whether or not to lend to you.
The information tells them, frankly, whether or
not you’re a good bet / an iffy bet / or a
bad bet, for repaying your debts.
Your score shows:
So. If you’re looking like an iffy bet, they might say No / offer you less credit / charge you a higher interest rate (to reflect the higher risk to them of not getting their money back). There’s no ‘black list’ as such. Creditors make up their own mind about what to do.
Your credit score is also called your credit rating or credit ranking, but it means the same thing.
Get BacktoBlack. Talk to us today
Or, take your first steps to debt freedom
with our online form
team of experts
can help you
on your way to
Click below and we’ll tell you a little bit
more about us. Our story is based around
our experience with problem debt.
Find out why we enjoy what we do here at
BacktoBlack, what makes us tick, and how we
can help you change your life for the better!
Don’t worry, we know how you feel.
All these fancy debt words are hard to keep
track of. So to make things easier for you, we’ve
put together a BacktoBlack Debtionary to help
explain the jargon! That way you’ll be up to speed
in no time at all, and ready for that pub quiz.