Low credit score but no missed payments?

If you have a low credit score but no missed payments recorded against you, there could be a few reasons why, for example, Limited credit history, high credit utilisation, errors on your credit report, right through to recent negative information such as failed credit applications or multiple searches run against you over a very short period.

It’s very important to review your credit file regularly so that you can understand your starting position and where you sit on the credit score scale. Once you understand the cause of your low score, a plan of action can be made to improve it. Be sure to read our top 10 tips on how to improve your credit score in the previous question.  

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