A credit score says nothing about your salary or your savings. It is a summary of how you have handled borrowed money.
What goes into it
- Whether you pay on time. This matters most.
- How much of your available credit you use.
- How long you have had credit.
- How often you apply for new credit.
What does not
Your income, your bank balance and how much you have saved.
Checking yours
You are entitled to a free credit report from each credit bureau once a year. Check it for accounts you do not recognise.