Factors are simply a guide to what might be affecting your score. We add these to your report to help you understand your score, what might be bringing it down and the changes you can make to improve it.
These factors are categorised as:
On track (things you’re doing well)
- Off track (things you could improve)
- Medium impact (things that aren’t having a huge impact on your score)
You can select each of these factors to learn more information about what to do next.
If you look through your 'Report' sections ('Payment history', 'Accounts', 'Enquiries' etc.) you should be able to find the information the factors refer to.
Please bear in mind that the factors on your report are only visible to you.