Credit score and credit reference agencies

We run a credit scoring process (using a number of variables including credit data) for all applications. Applications failing to meet the appropriate threshold may be declined.

Factors which impact credit score include:

High Score	Low Score
On the Voters roll	Not on the voters roll
Active credit profile	Thin credit file
Up to date with credit payments	High indebtedness
Low indebtedness	Poor payment history

We report active mortgages to Experian, TransUnion, and Equifax. If your mortgage does not appear on any of the credit reference agencies, as the owners of the data, you will need to get in contact with the relevant agency.