Sometimes your score may remain stable and won’t change for a while.
Your credit report hasn’t changed
If the information on your report stays the same, your credit score won't change either. The credit bureaus which are the data providers, set a default credit score based on age and location.
You can then build up your score and impact it with your credit history and spending behaviour.
Building up your credit score
Your credit score is something which builds up over time. You may not always see a satisfying increase every month. Continue with good spending habits and over you'll see a positive impact.
How lenders see impacts your score
We show you insights to help you understand what impacts your score.
Different types of accounts in your credit history can impact your score. A lack of diversity in accounts could be one of the reasons why your score stays the same for a long time.
Updates can take some time to show on your report
Credit reporting bureaus (CRBs) receive information from banks and lenders about once a month. The time it takes for information sharing affects how long it takes for your score to change.