A credit score is a number that reflects the information in your credit file. It provides an indication of how favourably lenders are likely to view you. We work with Callcredit to provide you with your credit score.

Borrowing Power is a unique measure of how likely you are to be accepted by specific lenders based on market data and the details in your credit report. We use information from your financial accounts and the electoral register and then measure this against the acceptance requirements of each lender for their various portfolio. We partner with Experian to provide you with your Borrowing Power.

Both scores will fluctuate, however, because Borrowing Power is as dependent on market activity as it is on your own actions, the changes can be more frequent and less predictable. That said, Borrowing Power does paint an up to the minute picture of the credit options that are likely to be available to you. Your credit score, on the other hand, is a good measure of your own improvement.