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When you apply for credit, whether it's a store card or credit card, a loan or a mortgage, for instance, you will be subjected to a credit check by the company that you are asking for credit.
A credit check is a means for a potential creditor to see your financial history, past and present, which includes whether you take care of your debts on time, are late in making payments, or have neglected payments. A credit check also shows any outstanding debts and also any County Court Judgements (CCJ's) and additional defaults.
This then offers the loan company a report of what type of risk you present should they choose to lend you money - and what the chances are of getting the money back! In the end, nobody is keen to offer a loan to someone who pays it back late or not at all! This checking procedure is known as credit scoring.
There are some agencies who hold this financial information - the two principle ones are Equifax and Experian.
Should you be considering taking out credit, obtain a copy of the credit report first. This means that you can examine if all of your information showing on it is accurate and challenge anything that looks out of place. For example, even just one bit of incorrect information - say your credit file indicates an unresolved debt that has been dealt with - could be the key factor in getting accepted for some kind of credit - or not.
In order to get a copy of your record you will need to get in touch with one of the credit record agencies. It will cost you a small fee (about £2) and a copy will be sent to you for you to look through.
Check that your file shows you on the electoral roll - if you are not there, this will have a harmful influence on your credit score. Also, financial 'associations' - where maybe someone else who is living with you or has lived at your address previously has a weak credit score - will have an influence on the probability of getting credit.
If you uncover anything that is not correct on your record, contact, in writing, the company who has given faulty information regarding you, and forward a copy to the credit reference agency too.
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