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Increasingly, financial services providers, telco's and even utility companies that access your credit report are also requesting your credit score. Banks, lenders and other credit providers may take this score into account when deciding whether or not to extend you credit.
Knowledge is power and proactively managing your credit is a good way to stay on top of your financial position. You may have to improve your score, which can be useful to do before you apply for credit.
Your score relates to your creditworthiness, based on information held in your credit report at a given point in time. Different credit organisations may use different scoring methodologies. The Equifax credit score is from 0 to 1200; the higher your score, the better your creditworthiness is likely to be.
Actually, credit reports often do not contain credit scores. This information is often provided separately. To obtain your free credit report, contact Equifax.