Your credit score affects many aspects of your financial life. The ability to get a loan, a credit card and, of course, a mortgage is all affected by your credit score. Lenders use your credit profile as a tool to assess your suitability, so it's important to know what it is and how it can be improved.
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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.