Your credit score, in a nutshell, represents your financial stability and is often used as an indication of your ability to meet repayments in a credit agreement. A ‘clean’ rating is not only critical to your customer-supplier-relations, but also plays a vital role in your finance application. The more ‘creditworthy’ you appear to be, the more successful you’ll be in your application. There are a multitude of factors that can affect both your personal and business rating, so it’s important to be aware of these and know what you can do to avoid unnecessary stains on your credit report.