Your score is made up of a number of factors, not just your credit history. Different companies will score you differently, the criteria is a highly guarded secret but can change. Not even the bank staff know, but I bet they can guess given the number of applications they put though.
Missed payments on your credit file, will affect your credit score. But obviously not as bad as a Default, IVA, CCJ, BR etc. would.
Hope that helps
Last edited by
TheMatrix on Mon May 02, 2011 9:36 am, edited 1 time in total.
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