> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.emma-app.com/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# What can affect my credit score?

| The credit report and score are only available to UK-based customers.

Several things can raise or lower your credit score, with how you manage your financial accounts having the biggest impact. The main factors are:

* **How you manage your accounts** — paying on time, staying well within your credit limits, how long you've held accounts, and whether any are in default
* **Being on the Electoral Register** — this shows a stable address history
* **Court records** — judgments, bankruptcies, and insolvencies can lower your score
* **Financial connections** — people you're financially linked to don't affect your score directly, but a lender may take them into account when you apply

|| Your credit report and score are provided by TransUnion and are for guidance only. Emma does not provide financial advice.