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Credit scores indicate an individual's creditworthiness and the default risk he poses to the lender. The better your credit score, the better your candidature for the lender. Your credit card can be the vital information source to agencies that track your credit score. Here, we have information where you can actually get your credit score for free, that doesn't require credit card information or subscription.

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Borrowing and credit scoring - credit cards | NatWest

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Score needed for credit card

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    Score needed for credit card

    Score needed for credit card

    Score needed for credit card

    Like other responsible lenders, to help us make decisions on when to give you credit, we use a system called credit scoring when we assess your application. This is designed to give you straightforward answers and clear explanations.

    Credit scoring is a method we, and many other lenders, use to predict how likely we are to get back the money we lend. It’s a consistent, accurate and fair way of assessing risk.

    To work out your credit score, we look at:

    • information you give us when you apply;
    • information from credit reference agencies that will show us whether you’ve kept up to date with payments on any credit accounts (that could be any mortgages, loans, credit cards or overdrafts), or if you’ve had any court action such as judgments or bankruptcy;
    • your history with us.

    We give you points for each bit of relevant information, then add them up to get to your credit score.

    Once you’ve scored a certain number of points (and met our other policy requirements), we’ll usually approve your application. The score you need to get your application approved may vary. To help make sure our systems remain secure and fair, we keep the finer details of how we work out your score confidential. Our branch and call centre staff will not be able to provide the full details of your score either. But it is important that you complete your application in full, because if you leave something out it may affect our assessment.

    Score needed for credit card

    We use credit scoring when we look at applications that use credit. We’ll tell you when you apply for one of these if you’re going to be credit scored.

    The main credit reference agencies in the UK are Equifax Plc, Callcredit Plc and Experian Ltd. These agencies keep records to help lenders like us assess credit applications.

    Their records include information such as:

    • your electoral roll status;
    • if you’ve been made bankrupt or insolvent;
    • if you have any County Court Judgments and Court Decrees;
    • any current and previous borrowing you have and the way you managed these accounts;
    • any credit reference searches carried out by other companies;
    • the names of anyone you’ve made a joint application with or have a joint account with, or the names of people you’ve told the credit reference agencies you’re financially associated with.

    What happens with this information?

    It goes into your credit report (also called your credit file). That’s where all your credit activities, such as any credit card accounts or loans you may have, the balances, and how regularly you make your payments, are listed. Your credit report also shows if any action has been taken against you because of unpaid bills. Almost everyone has a credit report, and it can help your finances if you check and improve it where possible. It might be useful to see the details held about you by the credit reference agency once a year or before you make any new credit applications.

    Can you get your own credit report?

    You should be able to get online access to your statutory credit report. Or you can write to them and ask for a paper copy.

    You might find the most convenient way to contact the agencies is through their websites, which have lots of useful information and will guide you through what you need to do to access your details.

    If you decide to write, you should ask for a copy of the information the credit reference agency holds on your file. You’ll need to give them your title, surname and first name(s), your date of birth and full current address, including your postcode. If you've lived at your current address for less than six years, you’ll need to supply all your addresses and postcodes during this time.

    You’ll also need to include a cheque or postal order for £2 with your letter to each agency you write to.

    Can you see information about people you’re financially associated with?

    If you ask for a copy of your credit report, it’ll include the names of anyone you’re financially associated with. So you’ll be able to see who they are, but no further information about them.

    What if the information the credit reference agency has is wrong?

    When you get your report, the credit reference agency will let you know what to do if you feel that any of the information it includes is incorrect.

    Score needed for credit card

    The addresses of the three main agencies are:

    Credit File Advice Centre

    Tel: 0844 335 0550

    Consumer Services Team

    Tel: 0370 060 1414

    Consumer Help Service

    Tel: 0344 481 0800

    Further details are all set out in a leaflet called ‘Credit Explained’. The Information Commissioner's Office produces this leaflet and you can get a download a copy from their website, calling 01625 545700. Or by writing to:

    Credit Explained Leaflet

    There are a few reasons why we decline applications:

    1. If we feel that the credit you’re applying for may be unaffordable due to your income, living costs and existing borrowing.
    2. If you have current or past credit repayment problems, for example you’ve been declared bankrupt, had credit arrears or defaults or court judgments made against you.
    3. If you don’t provide all the information we need to assess your application such as your name and contact details, a signed credit agreement and identity information.
    4. If approving your application would mean you exceeded the number or value of credit products that our lending criteria allows one person to hold with us.
    5. If using credit scoring, you’ve not reached the minimum score needed or we feel your ability to repay what you have borrowed may be too risky for us to consider lending to you.

    If we turn down your application we’ll try to tell you the main reason and also which credit reference agencies’ information we used, if it was relevant to how we made our decision.

    In some cases, our decision may not be due to information from a credit reference agency, but because of other details we find during the application process, for example; if you are under 18 or if your current account is in such a position that we couldn’t approve borrowing on e.g. a loan, card or overdraft.

    Score needed for credit card

    Score needed for credit card

    1. Make all your regular payments on time
    2. Check you’re registered on the Electoral Roll at your current address
    3. Close any accounts you no longer use
    4. Check the information on your credit report is accurate and up to date
    5. Manage your applications carefully

    Make all your regular payments on time

    Always try to make at least the minimum payments on any credit products you have, on time. Missing or making late payments (even to your mobile-phone operator) can often be registered on your credit report and this may harm your chances of getting credit in the future.

    An easy way to help you avoid late payments is to set up a Direct Debit.

    If you’re in difficulties, you should speak to your lender who will be able to help you.

    Check you’re registered on the Electoral Roll at your current address

    The Electoral Roll is used to confirm both your name and address, so if you’re not registered your application could be delayed or you might even be turned down. You can check with your local council to see whether you’re on the current Electoral Roll.

    Close any accounts you no longer use

    Having a large amount of credit that you do not use can affect your credit score. For example, if you have a credit card with a limit of £5,000 but you never use the card. Keeping accounts open that& you don’t use can also make you more vulnerable to fraud. Also if you have old accounts, such as mobile phone or credit cards, they might be registered at a previous address that can affect your ID checks.

    Check the information on your credit report is accurate and up to date

    If you don’t agree with something on your report, let the credit reference agency know straight away. You can also ask to add a note to your credit report if past credit problems were due to special circumstances. This is called a ‘notice of correction’ and is a short statement of no more than 200 words that you can attach to your file.

    Manage your applications carefully

    Making lots of credit searches in a short space of time can affect your score, so it may help to space out any credit applications, and those for things like car insurance and mobile phones. Moving house can also disrupt your score, so try to make important applications before you move. Finally, check if the product you’re interested in offers a quotation facility so you can check any terms before applying, and, without your credit search being recorded.

    Your credit score and credit card rewards: 10 tips

    This is the second post from Hilary Stockton, who is the founder of TravelSort, which helps savvy travelers earn millions of miles without flying, redeem them for first-class flights, and stay in luxury hotels at wholesale prices. Follow her on Twitter @TravelSort.

    I often get asked about the impact on one’s credit score of churning or signing up for multiple rewards credit cards, especially by those new to earning a million or more frequent flyer miles and points via credit cards. It’s definitely important to protect your credit score, and no one should sign up for a slew of new credit cards without taking the time to understand how your credit score works and whether you should be applying for new credit cards at all.

    1. Only sign up for new credit cards if:

    • You don’t have any credit card or other high-interest debt
    • You always pay your credit card bill off in full every statement
    • You have a steady income
    • You don’t plan to apply for a mortgage, refinancing, student loan or other major loan within the next year or so
    • You aren’t tempted to spend more by having more credit cards

    If you do have any credit card or other high-interest debt, paying that off is far more important than earning miles, points, or any other kind of credit card reward. You also shouldn’t apply for a number of new credit cards if you plan to get a mortgage, refinancing or other major loan in the next year or so, because you want to ensure you’re offered the best possible interest rate.

    2. Have a FICO credit score range 720 or above

    FICO scores from the three credit bureaus (Equifax, Experian and Transunion) range from 300 to 850. You’ll need a credit score of at least 710 to apply for rewards credit cards, and preferably 720 or higher.

    You’re entitled to a free copy of your credit report every year, which you should check to ensure there are no inaccuracies. If there are, you should dispute them, since they’re likely negatively impacting your score and your ability to not only be approved for the best travel rewards credit cards but also being able to secure the best possible interest rate for loans.

    4. Know the difference between FAKO and FICO

    Unfortunately, there are a lot of places offering to sell you your credit score that are completely worthless, because the score they’re providing isn’t the one that’s actually being used when determining whether to approve you for a new credit card or loan. These fake credit scores have been nicknamed “FAKO.” Even the credit bureaus themselves sell FAKO, so as not to have to pay to FICO to provide your actual FICO score. See more about this at Credit Score: FICO or FAKO?

    5. Understand the factors influencing your credit score

    Your FICO credit score is determined by these factors:

    • 35 percent is payment history: If you always pay on time, don’t carry any credit card balances and have no delinquent accounts, bankruptcies or similar against you, you’re fine. But make sure you continue to monitor your credit report to guard against inaccuracies.
    • 30 percent is credit utilization: This factor looks at the percentage of your credit line that you’re using. So, for example, if you have a $10,000 credit line on a card, you don’t want to maxing it out every month; in fact, you should ideally only be using a small percentage (under 10 percent) of your credit line. If you have a major purchase, pay it off immediately rather than waiting until the payment due date.
    • 15 percent is length of credit history: Just as the description implies, this factor measures your average age of accounts.
    • 10 percent is types of credit used: This factor looks at the various types of credit you use, such as home mortgage payments, car payments and credit card payments. It also helps explain why, frustratingly, some folks who rent yet own their own car and have never missed a credit card payment can have a lower credit score than a much more indebted homeowner with a leased car who is nevertheless making payments in full and on time.
    • 10 percent is new credit: This factor accounts for the hard pulls or inquiries that result from applying for new credit, such as a mortgage, car loan, student loan, and new credit cards. Each new hard pull does knock a few points off your score, although in most cases your score recovers within 90 days to six months.

    6. Keep utilization low on personal credit cards

    Due to how important credit utilization is in calculating your credit score, I always recommend you keep your credit utilization as low as possible on your personal cards:

    • Pay off major purchases right after they’re incurred, even before your statement close.
    • If you incur business expenses, ensure they go on a business credit card or charge card. Business credit card utilization is NOT reported to the credit bureaus.

    7. Apply for new credit cards on the same day, as close in time as possible

    The reason most serious credit card churners apply for multiple credit cards simultaneously, or as close in time as possible on the same day, is two-fold:

    • By not applying for any credit cards for a few months you can avoid being rejected for “too many recent credit inquiries.”
    • If you’re applying for two or three personal cards from the same bank, your hard pulls may be merged into one, reducing the impact on your credit score.

    As mentioned above, credit history accounts for about 10 percent of your FICO score calculation. That’s why you want to always keep at least one or two credit cards that you never close. Make sure they’re no annual fee cards, and preferably a no annual fee card that still earns rewards.

    9. Avoid closing a credit card without first transferring the credit line to another open card

    Be careful when closing credit cards that you don’t lose the credit line. Opening new credit cards can actually help your credit score over the long term if it increases your total amount of credit relative to your utilization. So, when you do decide to close a credit card, ask the representative to transfer the credit line to one of your other credit cards from the same bank.

    10. Stop applying for new credit cards about one year before applying for a mortgage or major loan

    As I mentioned in the first tip, it’s key to not let lucrative credit card rewards blind you to the importance of securing the lowest possible interest rate for a mortgage or other major loan. Stop applying for new credit cards about one year before you apply for a major loan, continue to always pay your balance off in full every statement, and aim to keep your credit utilization at 10 percent or lower for all your personal credit cards.

    GRS is committed to helping our readers save and achieve their financial goals. Savings interest rates may be low, but that is all the more reason to shop for the best rate. Find the highest savings interest rates and CD rates from Synchrony Bank, Ally Bank, and more.

    Disclaimer: This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company.

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    Score needed for credit card


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