Guaranteed Loans Living With Parents
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When you attempt to get credit, whether it is a credit or store card, a loan or a mortgage, for example, you will have to go through a credit check by the lender through whom you are seeking credit.
A credit check is a tool for a potential creditor to examine your past and current financial history, which includes whether you settle your debts on time, make late payments, or have not made payments. A credit check also includes additional unresolved debts and any records of County Court Judgements (CCJ's) and additional failures.
This then gives the company details of what type of financial risk you will be should they decide to offer you a loan - and what the likelihood is of getting the loan money back! After all, there is no one who wants to offer money to someone who won't pay it back on time or defaults on it entirely! This checking procedure is termed credit rating.
There are a few bodies who compile this data concerning you - the major ones are Equifax and Experian.
Should you be considering taking out a loan, ask for a copy of the credit report first. This will allow you to check that all of your information included in it is correct and query anything that looks out of place. As an example, only a tiny bit of mistaken information - say your credit report indicates an unresolved debt that was paid - could significantly impact you being offered a loan or mortgage - or not.
In order to obtain a copy of your record you can make contact with one of the credit record agencies. They will charge you a small amount (about £2) and a copy will be sent to you for your perusal.
Verify that your file records you on the electoral roll - if not, this will have a detrimental influence on your credit rating. Also, financial 'associations' - where perhaps another person who is living with you or previously lived at your address has a weak credit score - will influence the probability of getting credit.
If you find anything that is not correct on your credit record, report it, in writing, to the organisation who has given incorrect details about you, and send out a copy to the credit reference agency too.
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