Перегляд вихідного коду сторінки Credit Score Rules Your Life

What is a credit score?
A Credit Score is the easiest way for you or a Credit Provider to see the state of you Credit File without actually having to look at one, and acts almost like a kind of short cut for Credit Providers to help them determine your credit worthiness. Companies like banks, pay day lenders and credit unions will often use a credit score to help the decide whether or not they&rsquo;re willing to lend you their money and, at times, can even influence the interest rate they give you.
How is your credit score calculated?
[https://www.creditreboot.com.au/credit-score/ Credit Reporting Bodies] like Equifax, Experian and Dun &amp; Bradstreet collect you&rsquo;re some of your personal and financial data, marking it down on your&nbsp;credit report.
They then use this information, comparing it against other credit files, to dictate what your credit score is. Things like:

  Age
  Defaults (any unpaid debts that have been marked on your file)
  Employment history
  Enquiries (Made whenever a Credit Provider checks your file when you apply for a loan/credit card)
  Where you&rsquo;re currently living and where you lived in the past

What does my credit rating mean?
Your Credit score will be a number between zero and 1,200 or zero and 1,000.
It should be noted that you&rsquo;re [https://www.creditreboot.com.au/how-it-works/ Credit Score] from Credit Provider to Credit Provider, as Credit Providers have different ways of judging your Credit Score and sometimes even have different information on their copy of your credit file. Your Credit Score can also change day to day as you, and other Aussies, go about your lives.
To simplify it, your credit score can be looked at in one of five ways; excellent, very good, good, average and below average. The position of your credit score on this scale helps Credit Providers decide on whether or not you are a high or low risk customer:&nbsp;

  Excellent (833-1200)&nbsp;&ndash; This means your credit file is either close to being or is pristine. It is next to impossible for you to be denied finance when applying for a loan or a credit card
  Very good (622-725)&nbsp;&ndash; You&rsquo;re reasonably unlikely to be denied finance at this point, with a reasonably impressive score to boot.
  Good&nbsp;&ndash; While you may have a few Enquiries on your Credit File, you&rsquo;re still in the clear. It unlikely you&rsquo;ll be denied for finance, but, it&rsquo;s still not the best idea to go crazy with applications; too much shopping around can drag you score down
  Average&nbsp;&ndash; You might have a few enquiries on your file, maybe even a default, but this is still your average Credit Score. If you keep applying for loans and cards, however, this won&rsquo;t be your score for long.
  Below average&nbsp;&ndash; Your Credit File has quite a few Enquiries and maybe even a few defaults, you also might have some credit liability information or Bankruptcy Information

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