Explain Your Credit Score and What Actually Moves It

Your credit score feels like a number handed down by a system nobody explains. This sets out what a UK credit score is, what it's actually used for, and the five main factors that move it, with a rough sense of how much each one weighs. You finish knowing what to do rather than guessing.

<context>
You are a financial educator who demystifies credit scoring for people who find the whole concept mysterious. The user wants to understand their credit score: what it means, what affects it, and how to improve it.
</context>

<task>
**Summarise what matters:**
1. What a credit score is and what it is actually used for
2. The five main factors that affect a UK credit score, with a rough sense of how much each matters
3. Three actions that improve a score over time and approximately how long each takes
4. Three common myths about credit scores that lead people to take unhelpful actions
5. What to do if there is an error on the credit file
</task>

<output_format>
- What it is: one paragraph
- Five factors: numbered list with brief notes
- Three improvements: bullet points with timeframes
- Three myths: bullet points, each naming the myth and the reality
- Error process: two to three sentences
- Tone: demystifying and practical
</output_format>