A lot of people talk about their credit scores and obsess with tracking it and trying to get it as high as possible, but does it actually matter? I dive into this question and tell you exactly how credit companies use your credit report and the credit score, what you should be paying attention to to make sure your credit report looks as good as possible and steps you can take to improve your credit.
The credit scores that each lender calculate are very different to the credit score that you will get from the credit reference agencies and it's important to know what this difference means for you.
Although there are expensive monthly subscriptions that will provide you with your credit score from each credit bureau, you can actually get all of this information for free if you sign up through the right service. In the video I go through the different options for getting your credit score through Experian, Equifax and Transunion (used to be called Callcredit) to make sure you don't have to spend a penny.
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