{"id":1902,"date":"2018-05-16T12:58:08","date_gmt":"2018-05-16T12:58:08","guid":{"rendered":"https:\/\/demo.credibble.co.uk\/blog\/?p=1902"},"modified":"2023-08-08T08:55:41","modified_gmt":"2023-08-08T08:55:41","slug":"whats-lender-score","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/credit-score-account\/whats-lender-score\/","title":{"rendered":"What\u2019s A Credit-Score Score? Now You Can See Your Creditworthiness"},"content":{"rendered":"\n<p>If you are applying for a credit card or loan, or if you ever have in the past, you will have heard of a credit score. For those of you who don\u2019t already know, a credit score is a number that&#8217;s meant to show you how likely you are to be accepted for credit. But what on earth is a Credit-Score Score?<\/p>\n\n\n\n<p>So the first thing you need to know is that your credit score doesn&#8217;t reflect how lenders view you. It can give some idea of where you stand, but most lenders don&#8217;t use your credit score to assess your application. What lenders want to know is if you are \u2018creditworthy\u2019, and they each have their own set of criteria to test this.<\/p>\n\n\n\n<p>Keep reading to find out why the Credit-Score Credit-Score Score is the best way to measure your creditworthiness, and how it can improve your chances of credit approval.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What&#039;s Included?<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/whats-lender-score\/#What_does_creditworthiness_mean\" >What does creditworthiness mean?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/whats-lender-score\/#Why_does_being_creditworthy_matter\" >Why does being creditworthy matter?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/whats-lender-score\/#What_is_a_Credit-Score_Score\" >What is a Credit-Score Score?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/whats-lender-score\/#What_are_the_factors_that_affect_my_Credit-Score_Score\" >What are the factors that affect my Credit-Score Score?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/whats-lender-score\/#How_much_does_it_cost_to_get_my_Credit-Score_Score\" >How much does it cost to get my Credit-Score Score?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/whats-lender-score\/#How_can_I_improve_my_Credit-Score_Score\" >How can I improve my Credit-Score Score?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/whats-lender-score\/#Credit-Score_offers_two_fabulous_solutions\" >Credit-Score offers two fabulous solutions<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_does_creditworthiness_mean\"><\/span><strong>What does creditworthiness mean?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.check.co.uk\/blog\/creditworthiness-lender-score\/\">Creditworthiness<\/a> is just a way of saying how good of a potential borrower you are. If you are creditworthy, it means you are someone lenders see as being worth giving credit to.<\/p>\n\n\n\n<p>Lenders want to know that you are in a stable position financially, and are able to handle credit responsibly. This is because it tells them that you can pay back whatever they choose to lend you. Makes sense, right?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_does_being_creditworthy_matter\"><\/span><strong>Why does being creditworthy matter?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>So how does this affect you? Well, it\u2019s pretty straightforward. The more creditworthy you are, the higher the chance you\u2019ll be accepted when you apply for credit. So whether you need a credit card, loan, or even a mortgage, getting creditworthy is key.<\/p>\n\n\n\n<p>Being creditworthy is important because it can help you borrow money when you need it, and get the things in life you care about. This matters if you want your dream holiday, a new car, or a house later down the line.<\/p>\n\n\n\n<p>Not only this, but the more creditworthy you are, the more access you\u2019ll get to lower rates and APRs. In the long run, managing your financial position effectively can save you a lot of money, and help you make the most of what you earn.<\/p>\n\n\n\n<p>Sometimes your savings won\u2019t be enough \u2013 a project may be too expensive, or an emergency can pop up. Being able to borrow affordably can help you achieve your goals and manage your money better.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_a_Credit-Score_Score\"><\/span><strong>What is a Credit-Score Score?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>With all this in mind, Credit-Score has developed a unique score called a Credit-Score Score. If lenders don\u2019t focus on your credit score, why should you? Your Credit-Score Score is a number out of a thousand based upon an in-depth look at your credit file. It takes into account the factors that different lenders consider when deciding whether to give you credit.<\/p>\n\n\n\n<p>We also provide a Lender Report, so you can understand exactly how the score is built and where you need to improve. You\u2019ll be able to see the different factors that affect your creditworthiness, and check where you stand in relation to each factor.<\/p>\n\n\n\n<p>This way, you can get the best sense possible of your financial position. You can then apply for products that best fit your needs and situation, and take action to boost areas where you may be falling short.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_the_factors_that_affect_my_Credit-Score_Score\"><\/span><strong>What are the factors that affect my Credit-Score Score?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There are six main factors that make up your Credit-Score Score. Firstly, we look at your \u2018credit activity\u2019. This relates to the credit accounts you currently use and any \u2018hard searches\u2019 that have been done on your credit file.<\/p>\n\n\n\n<p>Next, there are your \u2018affordability indicators\u2019, which include things like how much of your income you spend on repayments and how close you are to the maximum limit on your credit cards.<\/p>\n\n\n\n<p>We also check your \u2018payment history\u2019 to see how responsibly you have managed to pay back credit in the past. The score takes into account any \u2018bad credit\u2019 you may have on your credit file, such as bankruptcy or CCJs.<\/p>\n\n\n\n<p>Finally, we also look at your \u2018employment stability\u2019 and \u2018residential stability\u2019. This is because lenders want to see that you are in a stable position in your living and working situation. The more stable you appear, the more they will see you as low-risk, meaning that you are more likely to be able to pay back any money they lend you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_much_does_it_cost_to_get_my_Credit-Score_Score\"><\/span><strong>How much does it cost to get my Credit-Score Score?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Getting your Credit-Score Score doesn\u2019t cost a thing. We believe that everyone deserves access to the financial facts. To prove it, we let you check your Credit-Score Score and Lender Report absolutely free, no strings attached.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_can_I_improve_my_Credit-Score_Score\"><\/span><strong>How can I improve my Credit-Score Score?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Once you have your Credit-Score Score, we will also show you ways to boost this score in your Credit-Score account. This way you can take practical steps forward to improve your financial situation and get to the strongest position possible.<\/p>\n\n\n\n<p>People should have the power to make informed decisions about their personal finances. Borrowers have been left in the dark for too long about how lenders actually see them &#8211; it\u2019s time for this to change.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Credit-Score_offers_two_fabulous_solutions\"><\/span>Credit-Score offers two fabulous solutions<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you\u2019re preparing to take a mortgage, never apply until you\u2019ve tried our unique and&nbsp;<a href=\"https:\/\/home.credit-score.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">FREE Credit-Score Home app.<\/a>&nbsp;Our smart technology will tell you what you need to fix so you avoid rejection. The app predicts when you will be able to buy, for how much and tracks your month-by-month progress to mortgage success. We\u2019ve even added your own mortgage broker, so you get the best deals available.<\/p>\n\n\n\n<p>More focused on your credit rating? Well, get started for free with&nbsp;<a href=\"https:\/\/www.check.co.uk\/register\" target=\"_blank\" rel=\"noreferrer noopener\">Credit-Score\u2019s 24- Factor Credit Check<\/a>&nbsp;to truly help you improve your creditworthiness and how lenders view you. (Remember: lenders don\u2019t use your credit score! We\u2019ll show you what lenders look for and how to get your credit report in the best shape possible).<\/p>\n\n\n\n<p><strong><em>Last updated by Robert Edwards, May 2022<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"If you are applying for a credit card or loan, or if you ever have in the past,&hellip;\n","protected":false},"author":6,"featured_media":2174,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[318,317],"tags":[367,578,397,366,364,365],"class_list":{"0":"post-1902","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-lender-score","8":"category-credit-score-account","9":"tag-credit-report","10":"tag-credit-score","11":"tag-creditworthiness","12":"tag-lender-report","13":"tag-lender-score","14":"tag-lenders-dont-use-your-credit-score"},"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2018\/05\/eye-see-your-creditworthiness.jpg","author_info":{"display_name":"Claire Ben Chorin","author_link":"https:\/\/www.check.co.uk\/blog\/author\/claire\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Credit-Score Score: See Your Creditworthiness | Credit-Score<\/title>\n<meta name=\"description\" content=\"Lenders don&#039;t look at your credit score, they look at your credit file. The Credit-Score Score tells you how creditworthy you are.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/whats-lender-score\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit-Score Score: See Your Creditworthiness | Credit-Score\" \/>\n<meta property=\"og:description\" content=\"Lenders don&#039;t look at your credit score, they look at your credit file. The Credit-Score Score tells you how creditworthy you are.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/whats-lender-score\/\" \/>\n<meta property=\"og:site_name\" content=\"Check.co.uk - See the problems your credit score hides\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/creditscore.co.uk\" \/>\n<meta property=\"article:published_time\" content=\"2018-05-16T12:58:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-08-08T08:55:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2018\/05\/eye-see-your-creditworthiness.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"464\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Claire Ben Chorin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Claire Ben Chorin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/whats-lender-score\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/whats-lender-score\/\"},\"author\":{\"name\":\"Claire Ben Chorin\",\"@id\":\"https:\/\/www.check.co.uk\/blog\/#\/schema\/person\/f4e68f3ed3394299ce4182e8f94ae3d9\"},\"headline\":\"What\u2019s A Credit-Score Score? 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