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When you make an application for a loan or credit of any sort, whether it is a credit or store card, a mortgage or a loan, for example, you will be subjected to a credit check by the lender that you are approaching for credit.
A credit check helps a financial organisation to investigate your past and present financial history, issues such as whether you settle your debts on time, make overdue payments, or have not made payments. A credit check also presents other unpaid debts and also any County Court Judgements (CCJ's) and additional failures.
This offers the loan company an idea of what level of risk you will be should they choose to give you credit - and the probability of getting their money back! Naturally, no one wishes to offer a loan to someone who won't pay it back on time or not at all! This checking procedure is termed credit rating.
There are a few bodies who store this information about you - the two principle ones are Experian and Equifax.
In the event you are thinking about applying for credit, ask for a copy of the credit report beforehand. This is so that you can confirm that all the data within it is correct and point out anything that is questionable. As an example, even just one bit of erroneous information - say your credit report notes an existing debt that has been dealt with - might be the determining factor for getting approved for some kind of credit - or not.
To get a copy of your file you can get in touch with a credit record agency. You will be required to pay a small amount (somewhere around £2) and a copy will be sent to you for you to look through.
Verify that your record records you on the electoral roll - if you are not on it, this will have an adverse effect on your score. Also, financial 'associations' - where possibly someone who is living with you or has lived at your address previously has a poor credit score - will influence the probability of getting any credit.
If you come across information that is false on your credit record, get in touch, in writing, with the company who has presented wrong data regarding you, and forward a copy to the credit record agency too.
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