Surgery Loans Bad Credit
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When you apply for any credit, whether it is a credit card or store card, a mortgage or a loan, for example, you will undergo a credit check by the company that you are applying to for credit.
A credit check is a means for a loan provider to look at your past and present financial history, including whether you service your debts on time, are late in making payments, or have failed to make payments. A credit check also includes any unsettled debts and any County Court Judgements (CCJ's) and other defaults.
This gives the lender a report of what level of risk you will be if they decide to lend to you - and what the likelihood is of getting the money they've lent you back! Naturally, no lender wishes to offer money to someone who won't pay it back on time or not at all! This checking system is referred to as credit rating.
There are a few organisations who compile this data concerning you - the best known are Experian and Equifax.
When you are making a decision about borrowing money, get a copy of your credit file first. This will enable you to determine if all the data included in it is right and point out anything that looks out of place. As an example, only a tiny bit of distorted information - say your report notes an unpaid debt that has been paid - could significantly impact you being granted credit - or not.
To obtain a copy of your file you can make contact with a credit record agency. It will cost you a small amount (approximately £2) and they will send you a copy for you to assess.
Ensure that your file shows you on the electoral roll - if you are not there, this will have a harmful impact on your score. Also, financial 'associations' - where maybe a person who lives with you or has lived at your address previously has a poor credit rating - will have an impact on your ability to get credit.
If you spot information that is false on your file, get in touch, in writing, with the organisation who has presented faulty information about you, and forward a copy to the credit record agency too.
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