Click here to access your credit rating.

Your income and financial commitment details are collated together to see whether or not you can afford to take on the credit card. Credit card providers use credit scoring facilities and credit reference agencies to assess your suitability.

Credit Scoring assesses your personal statistics, for example your age and occupation and each statistic is given a score. This is to ascertain which broad category of borrower you fit into. Credit reference agencies provide a detailed analysis of your own financial position. In particular, any county court judgements which you may have, details of previous credit searches against you and details held on the electoral roll about you.

You are entitled to apply for a copy of your credit file under Section 7 of the Data Protection Act 1998.

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