Nope! Rather than set the terms based on your past credit performance, we use data like your degree and field of study to set the terms based on your future earning potential.

It's important to note that even though we don't check your credit score, payments on the ISA can affect your score. If you miss a payment or default on your ISA, you may be reported to credit bureaus. On the other hand, on-time payments may be reported as positive behavior to credit bureaus!

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