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What is a credit score?

Your credit score is a rating based on your credit history, credit report and current financial status. It can change at any time, according to how you’re managing your finances. Banks and financial institutions use it, alongside the information you put on your application form, to help them decide whether to give you credit.

How is my credit score calculated?

We calculate your Experian Credit Score by examining how you are managing your finances, against a series of Score Factors (which are shown in your Experian Credit Report).

How can I improve my credit score?

The best way to improve you score is to regularly check which score factors are affecting your credit report. Look for the score factors increasing your credit score, learn what you’re doing right, and keep on doing it. Find out which score factors are decreasing your score, and follow our tips to correct them.