The items that score your credit rating are given below:-
- Your application form - all the details you fill in on your application form, ensure this is completed accurately.
- History with the company - have you had a loan from them before?
- Credit reference files from industry agencies - These agencies build data from:-
- Court records
- the Electoral role
- Financial data
There is also some information they *don't* know:-
- Student Loans
- Fines
- Savings Accounts
- Criminal Record
- Medical History
- Third Party Information
- Child Support Agency
- Accounts opened before 1994