With so much talk about credit crunches and lenders tightening their belts, knowing where you stand can give the edge in obtaining a mortgage, or fixing a problem before you apply for credit.
Your credit score determines not only whether you will get credit, but can also influence your rate or whether you need to get a guarantor.
Credit scores range between 200 and 800. The higher your score, the more choice you will have with mortgage options and lenders. These factors will affect your score.