Key insights that could be impacting your score:
Missing or paying late
This can lower your score by raising doubts about future repayments.
Legal actions
Indicates failure to repay debts. Lenders may take legal action to collect repayments, which will affect your ability to get credit in the future.
Bankruptcy
This is a last resort to clear debts when financially struggling.
Enquiries
These are normal background checks, but too many in a short time can impact your score and how financially stable your lenders see you.
Address Changes
Outdated addresses on accounts can affect your credit history's accuracy. Keeping your information current shows financial stability in your credit history.
Account closed or removed
On your credit file contribute to your overall score. When an account is closed or removed, it's no longer factored into your score calculation.