Regular spending vs income: Having money left over each month shows lenders you’re financially responsible. If your regular spending exceeds your income, lenders may think you’d rely on credit.

Savings activity: Saving regularly can help show you’re managing your money responsibly. If you’re not able to save, this can indicate to lenders that you may not be able to make credit repayments.

Gambling activity: If you don’t gamble, lenders may see you as more financially stable. If you do gamble, keeping your monthly spend on this low can help minimise impact on future credit applications. The more you spend, the less sure that lenders will be that you can pay them back.

Employment: Your employment status can impact your likelihood of being accepted for credit, as lenders like to see stable sources of income. This means you’re more likely to keep up repayments.

Income: The income amount listed on your TotallyMoney account needs to be high enough to be accepted for the credit you’ve applied for. This is a factor that lenders consider when you apply for credit, so you should ensure this information is up-to-date before making any applications.

Buy now pay later activity: Buy now pay later (BNPL) is a form of credit that lenders may consider when assessing an application. If you use this regularly, this could indicate to lenders that you may not be able to make payments for other forms of credit.