{"id":1927,"date":"2018-05-16T15:05:25","date_gmt":"2018-05-16T15:05:25","guid":{"rendered":"https:\/\/demo.credibble.co.uk\/blog\/?p=1927"},"modified":"2023-08-08T11:38:48","modified_gmt":"2023-08-08T11:38:48","slug":"creditworthiness-how-lenders-really-score-you","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/credit-score-account\/creditworthiness-how-lenders-really-score-you\/","title":{"rendered":"Creditworthiness: How do lenders measure you up?"},"content":{"rendered":"\n<p>What does it mean to be \u201ccreditworthy\u201d?<\/p>\n\n\n\n<p>\u201cCreditworthiness\u201d is the term we use for the likelihood that a lender will let you borrow money. Put simply, if a lender thinks lending to you would be too risky, they will reject your application.<\/p>\n\n\n\n<p>Now, conventional wisdom says the better your credit score, the more creditworthy you are. You might be surprised to learn that this isn\u2019t the case. In this article we\u2019ll be explaining how lenders really decide if you\u2019re creditworthy.<\/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\/creditworthiness-how-lenders-really-score-you\/#How_do_lenders_know_if_Im_creditworthy\" >How do lenders know if I\u2019m creditworthy?<\/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\/creditworthiness-how-lenders-really-score-you\/#What_is_risk\" >What is risk?<\/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\/creditworthiness-how-lenders-really-score-you\/#What_do_lenders_check_for_when_I_apply_for_a_loan\" >What do lenders check for when I apply for a loan?<\/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\/creditworthiness-how-lenders-really-score-you\/#Credit_Cards\" >Credit Cards<\/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\/creditworthiness-how-lenders-really-score-you\/#Short-Term_Credit\" >Short-Term Credit<\/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\/creditworthiness-how-lenders-really-score-you\/#Payment_History\" >Payment History<\/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\/creditworthiness-how-lenders-really-score-you\/#Credit_Activity\" >Credit Activity<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/creditworthiness-how-lenders-really-score-you\/#Bad_Credit\" >Bad Credit<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/creditworthiness-how-lenders-really-score-you\/#Stability\" >Stability<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/creditworthiness-how-lenders-really-score-you\/#What_is_your_Credit-Score_Score\" >What is your Credit-Score Score?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/creditworthiness-how-lenders-really-score-you\/#How_can_I_boost_my_chances_of_getting_approved_for_credit\" >How can I boost my chances of getting approved for credit?<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"h-how-do-lenders-know-if-i-m-creditworthy\"><span class=\"ez-toc-section\" id=\"How_do_lenders_know_if_Im_creditworthy\"><\/span>How do lenders know if I\u2019m creditworthy?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>First things first, let\u2019s be clear: lenders DO NOT use your credit score to determine your creditworthiness. Lenders have their own method of calculating risk, separate from the credit reports offered by credit reference agencies (CRAs).<\/p>\n\n\n\n<p>There are all sorts of statistical analysis that goes into determining creditworthiness. All told, it usually comes down to the analysis of your financial behaviour, as well as your financial situation. However, how you behave before you apply for any form of credit is taken as a measure of how you will behave after you get approved.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-risk\"><span class=\"ez-toc-section\" id=\"What_is_risk\"><\/span>What is risk?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The most important calculation for a lender is risk assessment. Every time a lender lets someone borrow money, they take on risk.<\/p>\n\n\n\n<p>Risk, here, refers to the likelihood of a borrower defaulting on a loan. In other words, it means how likely a borrower is to miss repayments on a loan, of both the loan\u2019s principal (the value of the loan) and the interest (a percentage added after the principal).<\/p>\n\n\n\n<p>What\u2019s important to note here is that you don\u2019t have to have \u201cbad\u201d finances for lenders to consider you a risky borrower. While bad credit certainly won\u2019t help your case, simply having too many unknowns in your credit history can also make lenders fidgety.<\/p>\n\n\n\n<p>This is why it\u2019s not only important to avoid bad credit, but to build good credit as well.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-do-lenders-check-for-when-i-apply-for-a-loan\"><span class=\"ez-toc-section\" id=\"What_do_lenders_check_for_when_I_apply_for_a_loan\"><\/span>What do lenders check for when I apply for a loan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Your credit score is only a piece of the puzzle. Here\u2019s what lenders are really looking for when you apply.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-credit-cards\"><span class=\"ez-toc-section\" id=\"Credit_Cards\"><\/span>Credit Cards<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You\u2019ve got to have credit to build credit. Lenders feel encouraged to lend to you if other lenders have approved you for credit. If you have a credit card, actively using it can help show that you\u2019re a good creditor. Sticking well within your limit looks even better.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-short-term-credit\"><span class=\"ez-toc-section\" id=\"Short-Term_Credit\"><\/span>Short-Term Credit<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Not all short-term credit is created equal. Having an overdraft, but not using it, can be good for your credit rating. So can paying off your credit card debt each month. Taking out a payday loan, on the other hand, tells lenders that you\u2019re strapped for cash. It\u2019s about toeing the line between showing you can borrow, and indicating to lenders that you <i>have to borrow.<\/i> <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-payment-history\"><span class=\"ez-toc-section\" id=\"Payment_History\"><\/span>Payment History<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Lenders feel even more encouraged to lend to you if you can show that you make payments on time. Having credit is one thing, having<i> good<\/i> credit is another. Always ensure you make payments on time and never apply for credit if you\u2019re not sure you\u2019ll be able to make repayments each month.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-credit-activity\"><span class=\"ez-toc-section\" id=\"Credit_Activity\"><\/span>Credit Activity<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>How often you apply for credit has an impact on your credit rating. Lenders like borrowers with multiple credit accounts (cards, loans, leases, mortgages), over a period of years. They don\u2019t like borrowers who have too many hard searches on their report. This indicates a constant need to keep applying for more credit to supplement their income. They also don\u2019t like borrowers without much credit history, since there simply isn\u2019t enough data to draw from.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-bad-credit\"><span class=\"ez-toc-section\" id=\"Bad_Credit\"><\/span>Bad Credit<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Perhaps the worst thing that can happen to your credit rating is a bankruptcy. This is a last resort option for people who cannot pay off their outstanding debts, even after an <a href=\"http:\/\/credit-score.com\/blog\/debt-collectors-2\/everything-you-need-to-know-before-taking-out-an-iva\/\">Individual Voluntary Arrangement<\/a> (IVA). IVAs also negatively affect credit rating, as do <a href=\"http:\/\/credit-score.com\/blog\/debt-collectors-2\/what-is-a-county-court-judgement\/\">County Court Judgements<\/a> (CCJs) and defaults. Keep on top of your debt to avoid bad credit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-stability\"><span class=\"ez-toc-section\" id=\"Stability\"><\/span>Stability<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Lenders want to see borrowers who are stable. Having a fixed address you\u2019ve lived at for several years can improve your credit rating. They can check this using the electoral roll, so consider registering to vote. So can steady employment, which means steady income. Employers also want to see that you\u2019ve been in your job for a long period of time. This decreases the likelihood of your being let go without something to cushion the blow.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_your_Credit-Score_Score\"><\/span>What is your Credit-Score Score?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Your Credit-Score Score takes the factors lenders use to analyse your creditworthiness. It&#8217;s backed by our 24-Factor Credit Check, so you can see where you stand for all the important factors and how to improve your chances of borrowing. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-can-i-boost-my-chances-of-getting-approved-for-credit\"><span class=\"ez-toc-section\" id=\"How_can_I_boost_my_chances_of_getting_approved_for_credit\"><\/span>How can I boost my chances of getting approved for credit?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you want to boost your creditworthiness, you need to know what you\u2019re doing wrong and what you\u2019re doing right. That\u2019s where Credit-Score comes in.<\/p>\n\n\n\n<p>At Credit-Score, we don\u2019t just give you a credit score, we give you a Credit-Score Score.<\/p>\n\n\n\n<p>This score is calculated using 24 Credit Factors, split into 6 factors containing 4 sub-factors each. If that sounds confusing, don\u2019t worry. Every Sub-Factor is colour-coded so you can tell at a glance what you need to change.<\/p>\n\n\n\n<p>To build credit, Credit-Score comes as an initial <a href=\"https:\/\/credit-score.com\/register\">FREE trial<\/a>. Prospective homebuyers can also download <span style=\"color: #000080;\"><span lang=\"zxx\"><u><a href=\"https:\/\/credibble.home\/\">Credit-Score Home<\/a><\/u><\/span><\/span> for mortgage preparation.<\/p>\n\n\n\n<p>There\u2019s no denying it: Building credit is tough, and bouncing back from bad credit is tougher, but there are always things you can do to improve your creditworthiness.<\/p>\n\n\n\n<p>Join Credit-Score today and get creditworthy!<\/p>\n\n\n\n<div id=\"selenium-highlight\">&nbsp;<\/div>\n\n\n\n<div id=\"selenium-highlight\">&nbsp;<\/div>\n","protected":false},"excerpt":{"rendered":"What does it mean to be \u201ccreditworthy\u201d? \u201cCreditworthiness\u201d is the term we use for the likelihood that a&hellip;\n","protected":false},"author":19,"featured_media":7864,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[318,317],"tags":[376,578,397,364,365],"class_list":{"0":"post-1927","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-affordability","10":"tag-credit-score","11":"tag-creditworthiness","12":"tag-lender-score","13":"tag-lenders-dont-use-your-credit-score"},"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2018\/05\/Cactus.jpg","author_info":{"display_name":"Robert Edwards","author_link":"https:\/\/www.check.co.uk\/blog\/author\/conor-mullinsaffalo-co-uk\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Creditworthiness: How Lenders Really Score You | Credit-Score<\/title>\n<meta name=\"description\" content=\"Lenders care about your creditworthiness. 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