How Do I know if I have bad credit?
There are a multitude of factors that can affect what your credit rating is. Some of these may be harder to work out than others but there are a few things that will definitely affect your credit scores directly.
If you have been bankrupted at any point or have had to be put onto a debt management plan, you can expect to have taken a hit on your credit score. This is because you have been deemed to be unreliable when it comes to managing and repaying your debts.
Your credit score may also have been damaged if you have ever struggled with repayments on credit cards or personal loans. The reason that this causes you to have an adverse credit rating is because you fell behind on your loan’s specified terms and conditions. This means that you are now deemed to be a higher risk customer as you have a history of not keeping up with your fees.
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