Understanding Your Credit Score and How We Use It

Your credit score is a key factor in your financial profile and plays a significant role in your eligibility for Ready Credit products. It reflects your creditworthiness and is based on your payment history, credit usage, and other factors.

We use your credit score not only during the application process but also to review your account periodically. Maintaining a good score can increase your chances of credit limit increases and lower interest rates.

If your score drops significantly, it could affect your account standing. We recommend checking your credit report regularly to ensure it’s accurate and to monitor your financial health.