Payment behaviour
Timely payments and reported payment history may influence how a profile is viewed.
Credit score, explained
A score is a signal. It is not your whole story.
Your score is one part of a credit profile. Reading it alongside the underlying report gives you a more useful starting point.
A simple way to see it
The number points to the report. The report points to the conversation.
Needs contextMore to understand
The useful distinction
Scores summarise. Reports explain.
A credit score is calculated from information in a credit report. Different models and institutions can use information differently, so the score you see is not a permanent label or a guarantee of a future decision.
When a score changes, the practical question is usually: what information or activity changed? That is why looking at the report matters.
Read the report guide ↗Current accounts
Balances, account status and how long an account has been reported can matter to a model.
Recent enquiries
Applications and enquiries are recorded in a report. Ask what is present before assuming why a score changed.
Remember: CreddiFix cannot predict lender decisions or guarantee a score movement. We can help you understand the information available to you and prepare questions.