Credit Score Impact Estimator
A simple guide to how recent credit history might affect lender options.
Missed or late payments reported to credit reference agencies on credit agreements
(cards, loans, car finance, utilities, mobiles). The more recent, the greater the impact.
CCJs (satisfied or not) remain on file for 6 years. Lower-value, satisfied CCJs may have
a smaller impact with some lenders; larger or recent CCJs are usually more restrictive.
A default is when an account is severely in arrears and the lender closes it. Defaults
usually stay for 6 years; very recent or multiple defaults limit options the most.
Debt Management Plans (DMP), Individual Voluntary Arrangements (IVA), Bankruptcy or
Debt Relief Orders carry significant impact. Most lenders need these settled and seasoned.
Utilisation = balance ÷ credit limit across your cards.
Example: £1,200 used of £4,000 limit = 30%. Lower percentages are generally viewed more favourably.
Being registered helps identity and address verification.
Longer registration at the same address tends to strengthen applications.
A previous mortgage/secured loan can demonstrate payment track record, which some lenders view positively.
Your Estimated Impact
This is indicative only and not an official credit score. Lenders’ criteria vary.
Disclaimer:
This tool is for general guidance only and does not provide an official credit score. It is intended to illustrate how certain factors may affect your credit profile. Actual lender decisions will depend on a full credit check and a wider review of your financial circumstances. For personalised mortgage advice, please contact us.