free instant credit score uk

You should have no more than 3 credit cards at 25 % or less of their limits. This indicates whether you ' re out - of - control, using up your limits, and whether you ' re literally living off credit or not. The length of time you ' ve had credit will account for 15 % percent of your score because lenders want to see that you have a long - standing history of paying responsibly.

Furthermore, 10 % of the score is based on the number of inquiries on your report. If you are applying furiously for tons of cards, then this indicates that you ' re in some kind of financial trouble.