Credit Report
A credit report provides a breakdown of all your credit commitments in the last six years and confirms whether you have managed to maintain your payments within that period. There are a number of different companies that produce credit reports in the UK and in some circumstances the information on the credit reports will differ between companies.
When applying for a mortgage lenders will typically complete a credit check to see if you meet their criteria. We recommend independently checking your credit report as early as possible so that we can be fully informed when considering the most appropriate lender. This allows us to stop any unnecessary credit checks and allows you to take action as soon as possible as opposed to being let down by the bank rejecting the case following a full mortgage application.
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We recommend getting a copy of your credit report from “Check my file”, they are the only company in the UK to provide credit reports that include data from Equifax, Experian and TransUnion all in one document.
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This allows us to double check all the information matches up across all credit reference companies.
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If you follow the link below you will benefit from a free 30 day trial, which can be cancelled at any time. So you can essentially sign up, download a copy of your report and then cancel the membership. If you decide to stay on beyond the 30 day trial there would be a monthly fee £14.99.
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CLICK HERE TO DOWNLOAD A FREE COPY OF YOUR CREDIT FILE
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They offer more than just a credit score:
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See your data from 3 Credit Reference Agencies, not just 1
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Get an independent view with your checkmyfile Credit Score
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Really easy to cancel - by Freephone or even online
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We guarantee never to sell your personal data
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Consistently rated ‘Excellent’ on Trustpilot
If there is anything unexpected on your credit file we will help provide as much guidance on what to do next. Don’t panic, if there is any adverse credit it does not necessarily mean you will not be able to get a mortgage. We have access to a comprehensive range of products from high street and specialist lenders so we will search for the most suitable product for you given your specific circumstances.
We have access to a comprehensive range of products from high street and specialist lenders which means there may still be a lender able to assist you.
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If you sign up to a free trial by following one of our links we will receive £12 commission from Check My File.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS ON YOUR MORTGAGE.