Scores & Files
The score you are shown is not the score lenders use
Consumer credit scores are a product. Lenders build their own models from the underlying file data.
Emil Rasmussen
Contributing writer, The Credit Question
Emil writes about credit files and the difference between the score you see and the one lenders build.
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2 articles
Scores & Files
Utilisation matters more than most people expect
The proportion of available credit you are using is a strong signal, and it bites well below the limit.