Abbey Secured Loans
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When you apply for any credit, whether it is a credit or store card, a mortgage or a loan, for instance, it will be necessary for you to undergo a credit check by the lender that you are approaching for credit.
A credit check is a means for a potential creditor to look at your financial history, past and present, which includes whether you settle your debts on time, are late in making payments, or have missed payments. A credit check also reveals any outstanding amounts and any history of County Court Judgements (CCJ's) and additional defaults.
This therefore offers the loan provider a report of what sort of financial risk you present should they decide to lend to you - and what the likelihood is of getting the loan money back! Of course, there is no one who desires to lend to someone who pays it back late or defaults on it entirely! This checking procedure is known as credit rating.
There are a few bodies who have this information concerning you - the two main ones are Equifax and Experian.
If you are thinking about borrowing money, request a copy of your credit file first. This is for you to determine if all of your information included in it is right and challenge anything that is inaccurate. For example, just a single item of distorted information - say your file notes an unpaid debt that was paid - could significantly impact you being offered some kind of credit - or not.
To get a copy of your file you have to approach one of the credit record agencies. You will have to pay a small fee (somewhere around £2) and you will be sent a copy for your perusal.
Verify that your credit file shows you on the electoral roll - if this is not so, this will have a damaging influence on your score. Also, financial 'associations' - where maybe someone else who lives with you or who lived at your address before has a low credit score - will have an impact on your ability to get credit.
If you find information that is false on your credit file, inform, in writing, the company who has listed faulty data about you, and send a copy to the credit reference agency too.
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