What affects your credit score

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Your ‘financial footprint’ tells potential lenders a lot about the type of borrower you are, so making sure yours is as healthy and as accurate as possible is key to securing the best deals.

When you borrow money or even apply for a loan, credit card, mortgage or overdraft, it’s recorded on credit reports held by the three credit reference bureaus; Equifax, Experian and TransUnion UK (formerly Call Credit)....

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