What is a credit score?

A credit score is a numerical value that you are assigned based on your credit history and creditworthiness. There are three main Credit Scoring Agencies: Experian, Equifax and TransUnion. These agencies are completely independent of each other and would have a different scale and criteria to assess your score. Most lenders would credit score you at the time of application so knowing your credit score is important. You can download your full credit report from all three agencies through CheckMyFile.

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