Credit card applications A stronger profile may support approval, higher credit limits and selected offers.
Employment checks Some employers may review credit information for roles involving financial responsibility.
Loans and borrowing costs A stronger profile may support approval, and more favourable rates, helping reduce total interest costs.
1 Verify your identity securely Have the details required for identity verification ready to get started.
3 Understand your credit standing See what your credit grade means, what to focus on next and loan eligibility .
Grades: A - C Excellent to good Protect your progress Typical focus areas: Keep repayments on time Space out new credit applications Monitor for unexpected changes
Grades: D - F Fair to average Build momentum Typical focus areas: Make repayments consistently on time Limit new applications Reduce outstanding balances
Grades: G - J Needs attention Stabilise and rebuild Typical focus areas: Settle any overdue accounts Avoid new credit applications for now Reduce outstanding balances
Payment conduct and history Payment history is a core component of your credit score. Timely payment, even the minimum due, signals stability and adds positive records to your credit file.
Credit utilisation Your credit utilisation, or how much of your available credit you use, signals how stretched your finances are. Keeping it low, under 30%, suggests you’re managing your credit well.
Length of credit history A longer credit history reflects consistency and experience using credit. It looks at the length your credit accounts have been open and when they were last active.
Credit enquiry record Each time you apply directly to a lender for a loan, they’ll will conduct a hard enquiry hard enquiry on your credit report. A high number in a short period may signal financial stress. To avoid this, start with a free credit check here that doesn’t affect your credit score. Applying for a loan on Lendela with your credit report will provide you accurate pre-approved offers, all without triggering any credit enquiries.