Instant Loans Immediate Online Decision
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When you make an application for any kind of credit, whether it's a store card or credit card, a loan or a mortgage, for example, you will be subjected to a credit check by the loan company that you are approaching for credit.
A credit check helps a potential creditor to look at your previous and present financial history, issues such as whether you settle your financial obligations on time, make late payments, or have missed payments. A credit check also indicates any outstanding debts and any records of County Court Judgements (CCJ's) and other defaults.
This then gives the lender an idea of what sort of risk you present should they decide to offer you a loan - and what chances they have of getting the loan paid back! In the end, nobody is keen to lend to someone who doesn't make payments on time or not at all! This checking process is known as credit scoring.
There are some agencies who compile this data about you - the two principle ones are Equifax and Experian.
Should you be thinking about taking out any kind of credit, get a copy of the credit report before anything else. This means that you can examine if all the information showing on it is accurate and challenge anything that is not right. For example, even just one bit of wrong information - say your credit file shows an unresolved debt that was paid - could sway the decision for getting approved for a mortgage or loan - or not.
To get a copy of your credit record you will need to contact a credit record agency. You will have to pay a small fee (around £2) and a copy will be sent to you for you to assess.
Check that your record shows you on the electoral roll - if this is not so, this will have a negative impact on your credit score. Also, financial 'associations' - where maybe someone else who is living with you or previously lived at your address has a poor credit rating - will have an influence on your capacity to get credit.
If you find information that is wrong on your credit file, inform, in writing, the organisation who has presented inaccurate details concerning you, and deliver a copy to the credit record agency too.
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