Your Credit File and the Score Myth

Lesson 14

Human Handbook

Check credit-report data, understand the limits of scores and prepare an evidence-based correction request.

The file you didn't know you had

Credit reference agencies hold records used in lending decisions. Experian, Equifax, TransUnion and Crediva are listed in MoneyHelper’s current report guide (opens in a new tab). Their records can differ.

A report is data; a consumer credit score is an interpretation. No single score obliges every lender to accept you. A lender also considers its own criteria and information from the application.

Lesson 14

Human Handbook