In general terms, your credit score or rating is what financial institutions will draw on to gauge your ability to meet loan repayments. Your score is calculated from your credit history, including previous bill and loan transactions and is recorded in credit agency reports. A bad credit history is often the result of overdue or missed bill and loan re-payments or defaults. However, credit scores can also be damaged by incorrect information stored in your credit report or even something as simple as not being enrolled to vote.
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