Bank Loans Probate Inheritance Tax UK
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When you make an application for credit, whether it is a credit card or store card, a loan or a mortgage, for example, it will be necessary for you to undergo a credit check by the company through whom you are seeking credit.
A credit check is a tool for a lender to investigate your past and current financial history, which includes whether you meet your financial obligations on time, make overdue payments, or have neglected payments. A credit check also includes any outstanding debts and any history of County Court Judgements (CCJ's) and additional failures.
This gives the company a picture of what degree of risk you present should they choose to give you credit - and what chances they have of getting the money they've lent you back! Of course, no company wishes to offer money to someone who doesn't make payments on time or defaults on it entirely! This checking system is termed credit scoring.
There are a few organisations who compile this data concerning you - the two main ones are Equifax and Experian.
In the event you are making a decision about borrowing money, get a copy of the credit report beforehand. This will enable you to confirm that all the information showing on it is correct and point out anything that is not right. For example, just a small piece of incorrect information - maybe your report indicates an outstanding debt that was covered - could sway the decision for being offered credit - or not.
To get hold of your credit record you have to approach a credit record agency. You will be charged a small fee (about £2) and they will send you a copy for your perusal.
Check that your credit file has you on the electoral roll - if you are not there, this will have a damaging consequence for your score. Also, financial 'associations' - where possibly a person who lives with you or previously lived at your address has a poor credit score - will influence your ability to get credit.
If you come across any detail that is wrong on your record, report it, in writing, to the organisation who has given inaccurate details regarding you, and send a copy to the credit record agency as well.
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