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When you apply for any sort of credit, whether it's a store card or credit card, a mortgage or a loan, for example, you will have to go through a credit check by the loan company that you are applying to for credit.
A credit check is a means for a loan company to view your past and present financial history, issues such as whether you settle your financial obligations on time, make overdue payments, or have neglected payments. A credit check also indicates other unresolved debts and any history of County Court Judgements (CCJ's) and other defaults.
This then gives the loan provider a profile of what kind of risk you will be should they decide to lend you money - and what the chances are of getting the loan paid back! After all, no one is keen to offer money to someone who pays it back late or not at all! This checking process is referred to as credit scoring.
There is a number of organisations who keep this financial information - the two principle ones are Equifax and Experian.
Should you be thinking about taking out any kind of credit, ask for a copy of the credit report first. This is so that you can examine if all the data included in it is right and query anything that is not right. For instance, just a small piece of erroneous information - say your file records an unresolved debt that has been paid - could be the difference between being approved for a mortgage or loan - or not.
For a copy of your file you have to approach a credit record agency. They will charge you a small fee (somewhere around £2) and you will be sent a copy for you to look at.
Confirm that your record records you on the electoral roll - if this is not so, this will have a detrimental effect on your credit rating. Also, financial 'associations' - where possibly someone who lives with you or lived at your address at one time has a weak credit rating - will have an impact on your ability to get credit.
If you see information that is not correct on your credit file, contact, in writing, the company who has presented inaccurate details about you, and send a copy to the credit reference agency too.
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