{"id":2109,"date":"2018-05-21T11:56:57","date_gmt":"2018-05-21T11:56:57","guid":{"rendered":"https:\/\/demo.credibble.co.uk\/blog\/?p=2109"},"modified":"2023-08-09T11:58:00","modified_gmt":"2023-08-09T11:58:00","slug":"credit-score-vs-lender-score","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/credit-score-account\/credit-score-vs-lender-score\/","title":{"rendered":"Your Credit Score vs Your Credit-Score Score"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Your credit score is not the be-all and end-all. Your creditworthiness is decided on a number of factors, some of which may surprise you. At Credit-Score, we don\u2019t just offer you a credit score, we offer you a 24-Factor Credit Check. With the 24-FCC you get to see the factors that lenders use to decide if they trust you to borrow from them. This way, you can tell at a glance what needs changing and what needs to stay the same.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 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\/credit-score-vs-lender-score\/#Your_Creditworthiness\" >Your Creditworthiness<\/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\/credit-score-vs-lender-score\/#Your_Credit-Score_Score\" >Your Credit-Score Score<\/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\/credit-score-vs-lender-score\/#24-Factor_Credit_Check_24-FCC\" >24-Factor Credit Check (24-FCC)<\/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\/credit-score-vs-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=\"Your_Creditworthiness\"><\/span>Your Creditworthiness<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Your credit score is only a small piece of the puzzle. While it can give you an immediate sense of how your credit report looks to lenders, it doesn\u2019t tell you the fine details. We\u2019ve already established in a <span style=\"color: #000080;\"><span lang=\"zxx\"><u><a href=\"https:\/\/www.check.co.uk\/blog\/creditworthiness-lender-score\/\">previous article<\/a><\/u><\/span><\/span> that lenders don\u2019t use credit scores to determine whether to lend to you. Instead, they use their own internal algorithms, which is the basis for the 24-FCC.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">What lenders really want to know is how <b>creditworthy<\/b> you are. In other words, they want to know to know if they can trust you to pay back what you borrow. To find that out, they have to go off your track record of managing debt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The more creditworthy you are, the greater access you have to credit. Not only are your chances of approval that much greater, but you\u2019ll also get better deals as well.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Remember: It\u2019s not just bad credit that looks bad to lenders, it\u2019s a lack of credit history. If there are too many unknowns, then lenders won\u2019t want to lend large sums of money to you. At least, not without a few caveats.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Your_Credit-Score_Score\"><\/span>Your Credit-Score Score<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We calculate your Credit-Score Score by examining your credit report from Equifax. Equifax is one of the UK\u2019s three main Credit Reference Agencies. We use this report to calculate a number out of 1000. This is your Credit-Score Score.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your Credit-Score Score summarises your creditworthiness in a single, easy-to-understand number. Right away, you can see where you are and what targets you need to meet.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">After we\u2019ve calculated your Credit-Score Score, we give you your Credit Report. This is where the 24-FCC comes in.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"24-Factor_Credit_Check_24-FCC\"><\/span>24-Factor Credit Check (24-FCC)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The 24-Factor Credit Check turns your Credit Report into an set of goals. It\u2019s easy-to-read and easy-to-understand.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"428\" src=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/24fcc-1-1024x428.png\" alt=\"\" class=\"wp-image-7873\" srcset=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/24fcc-1-1024x428.png 1024w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/24fcc-1-300x125.png 300w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/24fcc-1-768x321.png 768w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/24fcc-1-1536x641.png 1536w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/24fcc-1-380x159.png 380w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/24fcc-1-800x334.png 800w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/24fcc-1-1160x484.png 1160w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/24fcc-1.png 1712w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The 24-FCC consists of six Credit Factors, each of which contains four Sub-Factors. This lets you get into the nitty-gritty right away. The modular visual design shows you exactly where your points of improvement are. This includes a \u201ctraffic-light\u201d colour-coding system for each of the Sub-Factors.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The six Credit Factors are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><p class=\"western\" align=\"justify\"><b><a href=\"https:\/\/www.check.co.uk\/blog\/credit-cards\/\">Credit Cards <\/a><\/b><span style=\"color: initial;\"><a href=\"https:\/\/www.check.co.uk\/blog\/credit-cards\/\">\u25b6 <\/a><\/span><\/p><\/li>\n\n\n\n<li><p class=\"western\" align=\"justify\"><b><a href=\"https:\/\/www.check.co.uk\/blog\/loan-affordability-checks\/\">Short-term Credit <\/a><\/b><span style=\"color: initial;\"><a href=\"https:\/\/www.check.co.uk\/blog\/loan-affordability-checks\/\">\u25b6 <\/a><\/span><\/p> <\/li>\n\n\n\n<li><p class=\"western\" align=\"justify\"><b><a href=\"https:\/\/www.check.co.uk\/blog\/payment-history\/\">Payment History <\/a><\/b><span style=\"color: initial;\"><a href=\"https:\/\/www.check.co.uk\/blog\/payment-history\/\">\u25b6 <\/a><\/span><\/p> <\/li>\n\n\n\n<li><p class=\"western\" align=\"justify\"><b><a href=\"https:\/\/www.check.co.uk\/blog\/credit-activity\/\">Credit Activity <\/a><\/b><span style=\"color: initial;\"><a href=\"https:\/\/www.check.co.uk\/blog\/credit-activity\/\">\u25b6 <\/a><\/span><\/p> <\/li>\n\n\n\n<li><p class=\"western\" align=\"justify\"><b><a href=\"https:\/\/www.check.co.uk\/blog\/bad-credit\/\">Bad Credit<\/a><\/b><span style=\"color: initial;\"><a href=\"https:\/\/www.check.co.uk\/blog\/bad-credit\/\"> \u25b6 <\/a><\/span><\/p> <\/li>\n\n\n\n<li><p class=\"western\" align=\"justify\"><b><a href=\"https:\/\/www.check.co.uk\/blog\/stability\/\">Stability<\/a><\/b><span style=\"color: initial;\"><a href=\"https:\/\/www.check.co.uk\/blog\/stability\/\"> \u25b6 <\/a><\/span><\/p><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">At the click of a button you can highlight the Sub-Factors that need attention. This lets you know right away what you could be doing to improve your creditworthiness.<b> <\/b>Each problematic Sub-Factor presents you with a solution, called a Credit Fix.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As you make Credit Fixes, the Sub-Factors will change colour. Red indicates the lowest level of creditworthiness, and these will likely be your main focus in building a better Credit Report. Improved red Sub-Factors turn yellow, indicating middling creditworthiness. Once you have fixed all your yellows, the Sub-Factor will change to green, indicating a high likelihood of credit approval.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Below the 24-FCC, there is also an interface showing you your Credit Options. This gives you insight into your approval odds for different forms of credit. This helps you avoid unsuccessful applications, which could damage your credit rating.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-credibble-offers-two-fabulous-solutions\"><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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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","protected":false},"excerpt":{"rendered":"Your credit score is not the be-all and end-all. Your creditworthiness is decided on a number of factors,&hellip;\n","protected":false},"author":19,"featured_media":2117,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[318,317],"tags":[368,367,578,366,364,365],"class_list":["post-2109","post","type-post","status-publish","format-standard","has-post-thumbnail","category-lender-score","category-credit-score-account","tag-booster-tips","tag-credit-report","tag-credit-score","tag-lender-report","tag-lender-score","tag-lenders-dont-use-your-credit-score"],"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2018\/05\/mouse-trap-2846147_1280.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 v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Credit Score vs Lender Score: Avoid The Trap | Credit-Score<\/title>\n<meta name=\"description\" content=\"Your credit score is not the be-all and end-all. Credit-Score don&#039;t just offer you a credit score, we offer you a 24-Factor Credit Check.\" \/>\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\/credit-score-vs-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 vs Lender Score: Avoid The Trap | Credit-Score\" \/>\n<meta property=\"og:description\" content=\"Your credit score is not the be-all and end-all. Credit-Score don&#039;t just offer you a credit score, we offer you a 24-Factor Credit Check.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/credit-score-vs-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=\"2018-05-21T11:56:57+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-08-09T11:58:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2018\/05\/mouse-trap-2846147_1280.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"854\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Robert Edwards\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Robert Edwards\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 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\\\/credit-score-vs-lender-score\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.check.co.uk\\\/blog\\\/credit-score-account\\\/credit-score-vs-lender-score\\\/\"},\"author\":{\"name\":\"Robert Edwards\",\"@id\":\"https:\\\/\\\/www.check.co.uk\\\/blog\\\/#\\\/schema\\\/person\\\/506e3586a0f8046fbea761167a250683\"},\"headline\":\"Your Credit Score vs Your Credit-Score Score\",\"datePublished\":\"2018-05-21T11:56:57+00:00\",\"dateModified\":\"2023-08-09T11:58:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.check.co.uk\\\/blog\\\/credit-score-account\\\/credit-score-vs-lender-score\\\/\"},\"wordCount\":733,\"commentCount\":1,\"publisher\":{\"@id\":\"https:\\\/\\\/www.check.co.uk\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.check.co.uk\\\/blog\\\/credit-score-account\\\/credit-score-vs-lender-score\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.check.co.uk\\\/blog\\\/wp-content\\\/uploads\\\/2018\\\/05\\\/mouse-trap-2846147_1280.jpg\",\"keywords\":[\"booster tips\",\"credit report\",\"credit score\",\"lender report\",\"lender score\",\"lenders don't use your credit score\"],\"articleSection\":[\"Lender Score\",\"Your Credit-Score Account\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.check.co.uk\\\/blog\\\/credit-score-account\\\/credit-score-vs-lender-score\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.check.co.uk\\\/blog\\\/credit-score-account\\\/credit-score-vs-lender-score\\\/\",\"url\":\"https:\\\/\\\/www.check.co.uk\\\/blog\\\/credit-score-account\\\/credit-score-vs-lender-score\\\/\",\"name\":\"Credit Score vs Lender Score: Avoid The Trap | Credit-Score\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.check.co.uk\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.check.co.uk\\\/blog\\\/credit-score-account\\\/credit-score-vs-lender-score\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.check.co.uk\\\/blog\\\/credit-score-account\\\/credit-score-vs-lender-score\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.check.co.uk\\\/blog\\\/wp-content\\\/uploads\\\/2018\\\/05\\\/mouse-trap-2846147_1280.jpg\",\"datePublished\":\"2018-05-21T11:56:57+00:00\",\"dateModified\":\"2023-08-09T11:58:00+00:00\",\"description\":\"Your credit score is not the be-all and end-all. 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