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A credit score (also called a “credit rating”), is a number that banks use to figure out if a potential borrower is reliable or not.
In the UK, this number is calculated by consumer credit reference agencies, the most notable of which are Callcredit, Equifax, and Experian. Lenders look at your credit score to decide if they want to offer you a credit card, mortgage, etc., and how much interest you should pay. The UK government can also access your credit score when deciding if you should receive benefits or when following up on unpaid taxes.
If you’re self-employed, a poor credit score can restrict your chances of getting a mortgage, compared to a regular employee.
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