The below factors can impact or cause your score to drop:
- Accounts in arrears
- Credit card cash withdrawals
- Credit use (or utilisation)
- Debt collector searches
- Defaults and repossessions
- Electoral roll
- Hard searches
- Legal actions (e.g bankruptcies, CCJ, or IVA)
- Missed payments
- Mortgages
- Secured loans and Unsecured Loans
- Changing address
- Opening a new account