Credit ratings explained

Your credit rating or credit history is a record of your borrowing and repayment history and is one of the most influential pieces of information your lender will look at when you apply for credit card or loan.

Here we'll talk you through your credit rating, what it means and how it affects you, busting a few credit-related myths along the way:

• What is a credit rating?
• Which credit profile are you?
• Improving your credit rating