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Factors that can DAMAGE your credit score: Not paying your bills, Being rejected for a loan, Credit Card applications declined, Bankruptcy, Car finance, CCJ's, 1 year financial history, No credit cards, In arrears , Always in overdraft, Being financially connected to someone with poor credit, Factors that can help IMPROVE your credit score: Few Credit Card applications, Paid off loans, No overdraft , Making regular payments to debts, 10 year financial history, Being on the electoral roll for some time,

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