01604 643399
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Credit CheckerHow to Obtain a Copy of Your Statutory Credit Report By law, you are entitled to a copy of
your Statutory Credit Report by post for a fee of £2. When requesting your credit report, be sure to include your full name, address and most recent former addresses (up to six years) for file matching purposes. Ordering your Credit File is Easy...If you are looking to apply for a new loan or mortgage it's a good idea to obtain a copy of your credit file. This will give you an insight into what a potential lender see's, when they carry out a credit search. If you have recently been refused credit, you can find out why by
Why
do lenders use credit reference agencies, and what
information do they have on my credit file? Public record information - the UK electoral roll (used for checking names and addresses), county court judgements (CCJs) and Scottish decrees (awarded against people who have defaulted on debts), and records of bankruptcies, individual voluntary arrangements and administration or repossession orders. Credit account information - lenders share information about borrowers by registering it with credit reference agencies. This can show whether people have kept their payments up-to-date in the past. It also lets them check whether people have loans outstanding with other lenders and, if so, whether they have kept the payments up to date. Search information - the file also records credit checks carried out by lenders and a large number of applications made over a short period of time. This could be seen as an indication of over-commitment, or even fraud. |
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Company registered at: 13 Carey Close, Moulton, Northampton NN3 7SN. Tel. 01604 643399
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE