Things that negatively affect your

Credit Score

Things that negatively affect your

Credit Score

1Poor payment history

- not paying utility bills, loan

repayments and credit cards on time

all the time.

Things that negatively affect your

Credit Score

2Maxing out your credit

limit on credit cards and loans/overdraft. This

impacts the total amount of your debt

which in turn impacts the amount of credit

available to you.

Things that negatively affect your

Credit Score

3Making frequent

applications for credit. Payday loans even if

paid on time are especially damaging because they suggest that you are not very

good at managing money.

Receiving a County Court Judgement (CCJ).

Lenders don't like having to go to court to

make you pay up.

Things that negatively affect your

Credit Score

4

Bringing back

ethics in Banking…

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