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What is my credit history?

This is a record of your past and present borrowing behaviour. When you want to apply for any credit product, lenders will contact Credit Reference Agencies and use this information to assess and decide whether to lend you credit or not.

If you'd like to know more about credit score and ratings, take a look at our webpage on understanding your credit history. Or you can check out out factsheet at CRA Fact Sheet.

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