When we lend to you we will report this back to the CRA. This looks good on your credit file as it shows that a lender has completed its risk assessment and is happy to lend to you. When you pay back your loan on time we will also report this to the CRA. The credit score is influenced in a positive way by this as it shows that you have both the funds and the desire to honour your commitment. You will find that this can improve your overall credit rating. The credit score is influenced in a positive way by this as it shows that you have both the funds and the desire to honour your commitment. When we lend to you we will report this back to the CRA.