Your Credit Score
An independent credit check company such as Experian or Equifax does your credit score. These credit-scoring companies are entirely independent. You can obtain a record of your credit history by contacting them and a small fee. By having a copy of your credit report you can make sure that all the information on your report is correct and that your credit score is not being influenced by something on your report that is incorrect.
Your credit history is a record of all your debt and payments made to clear that debt. As long as you follow the terms of repayment on all your debts then your credit score will remain good. If however you make a late payment or miss a payment then it is possible that your credit score will be affected. Any of these negative marks on your credit report can make it difficult to get credit in the future so it is important to maintain a good payment history.
Another thing that can affect your credit score are what is known as ‘footprints’. To get these on your account you simply need to apply for credit, you do not have to accept the credit that is offered. If you have too many of these footprints on your credit history then this also can have a negative impact on your score. http://www.experian.com/ http://www.equifax.com/home/
