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Checking your credit rating

If you’re relying on a loan or finance deal to help pay for your Figaro, it’s important you boost your credit score.


Finance lenders calculate a credit score based on details you and external agencies provide.

If you don’t meet their criteria, they could refuse your loan package application, or offer you finance at a higher rate.

  • Your credit score is affected by your outgoings, bills, outstanding debt, electoral roll data, court records, fraud and account data.
  • Check your credit rating online, which can sometimes reveal incorrect information which can be rectified.
  • Build a good credit history by always repaying on time and staying within credit limits.
  • Home owners and those in full-time employment are more likely to be granted loans than those who rent and are self-employed.