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Based on this and other information asked in your application they will then decide whether you are likely to repay the credit they give you.

Data not recorded on your credit report includes your employment history, savings accounts, criminal records, medical records, ethnicity, religion or political affiliation.

There’s no one credit score or magic number – different lenders score differently. It runs from 0-999, and usually a higher score means you’re seen as lower risk, which means you could be more likely to get a credit card, a loan or a mortgage, and at better rates too.

Making sure you look around for a deal that you’re more likely to be accepted for, as well as being best suited to you and your credit history, can be important.

“There’s a lot of emotion packed up in a person’s credit score,” she says.

Experian acts independently and although Credit Matcher shows products for a range of lenders and other brokers it does not cover the whole of the market, meaning other products may be available to you.

To get your Experian Credit Score FREE forever, sign up to our new Credit Matcher, a free independent service that helps you compare credit deals you’re more likely to get, based on your credit information. Well, when you apply for credit, such as a loan, credit card, mortgage, car finance, lenders give you a credit score.

They base this on factors such as the information on your credit report, on your application form, information they may already hold on you, and their own lending policy. Checking your Experian Credit Score before you apply for new credit can give you a good indication of how lenders may view you based on information in your Experian Credit Report.

If you find any inaccurate information on your credit report, you have the right to challenge it.

Take the following steps to ensure your credit report is accurate. Raise a dispute via our Online Helpline If you find inaccurate information on your Equifax Credit Report, you can create an account for our Online Helpline, raise a dispute and we’ll investigate for you.