Will another phone contract hurt my rating?

Wjs95

So how can I find out an accurate credit score? And find out credit worthiness?

[Deleted User]

There aren't any - credit scores aren't used in the UK.

Lenders review the data on your files and make their own decisions.

What you need to do is to check your own reports and ensure everything is in order and take a common sense view on anything that looks negative - eg missing payments, maxing out a credit card.

[Deleted User]

Wjs95 wrote: »

So how can I find out an accurate credit score? And find out credit worthiness?

You don't. And you don't.

Lenders make decisions on you based on your credit history on your credit files.

Wjs95

The only negatives I see on here are that I!!!8217;m not a homeowner, and that I have contracts and credit on things that are relatively new.
When I moved in I got the bed and couch on credit, and bt broadband all in my name.

Wjs95

I won!!!8217;t take any notice of the !!!8216;you have 80% chance of getting a top 0% spending card!!!8217; either then.

[Deleted User]

The eligibility checkers are not too bad, as they use basic lender criteria.