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Is Your Credit Rating In Danger?
By Joseph
People seldom know why they have been turned down for credit. In fact, it often comes as a shock. Some people don't find out till they are standing in a shop with a store card application in their hands. But did you know that your lifestyle could seriously affect your credit rating? Here are three ways in which you could damage your credit rating.

1. Change Your Bank

Lenders like to see that borrowers have been with the same bank for a while. It shows continuity and responsibility, both of which are good for credit reports. Borrowers who have had a long history with the bank and have had different banking products are popular with lenders. So if you've had a credit card, cheque account, loan or authorised overdraft and have paid them all perfectly, this is a good sign for lenders.

Of course, there's always a tempting new offer from a different bank. Maybe you fancy a larger overdraft, a financial incentive or just a change. Even if you get a new bank account, it's worth keeping the old one to show some banking history.

2. Avoid Responsibility

Lenders assess responsibility in several ways. First of all, it is important to be on the electoral roll. This makes it easy for lenders to track your address. If you have been at the same address for more than three years, this is also good.

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