Mortgage lenders don't normally read your credit report manually. They use a computers to interpret the results into a credit score – a measurement of how risky you are as a borrower. Mortgage lenders then accept only those people who have a credit score over a certain level, known as the 'cut-off' credit score.
To easily and simply calculate your credit score use our credit score calculator tool
It works totally anonymously and is designed to help you to understand how credit scoring works and how it may affect your creditworthyness.
Just answer the questions below and we'll tell you your application credit score instantly - on a scale of 0 to 1000 - where the higher the score, the better your credit score is with the average credit score being 750.
Then we will tell you what your credit rating is on our 5 star rating system, plus we'll tell you your area score for the neighbourhood in which you live, based on your postcode. Finally, based on the results, we'll estimate your personal credit score and your public credit score too.
Once you have taken the credit score test you may still be wondering why you have been turned down for credit or mortgages, or you may feel there is a problem on your credit files. As part of our credit service we are able to offer you a full credit file service. See the links below for full details.
Obligo Credit reports and tools are under construction and coming soon!
