A credit score summarises how reliably you have repaid borrowing in the past. Lenders use it, along with your income and commitments, to decide what to offer.
The biggest factors are paying on time, keeping balances low compared with your limits, and not applying for lots of credit in a short period.
Checking your own score does not harm it. Registering on the electoral roll, closing unused accounts carefully and fixing errors on your report all help.
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This article is general information, not financial advice.