What is credit scoring?

Please note this is different to the credit score on your credit report. Each lender has their own credit scoring system. Some do not credit score at all, but most do.
Credit scoring is done when you apply for a Decision in Principle or Agreement in Principle. As mentioned above, every question that you answer and the type of answer you give to those questions will give you an amount of points and if you reach the required amount of points then you pass their credit score. Even things as simple as an email address or telephone numbers all help to give points so if the lender asks for it give it to them