Have you checked your credit rating?

The contents of your credit report can have an important bearing on whether or not you are given credit. Factors other than the information held on a credit report may contribute to a lending decision as well (such as the information you provide on your application form), but your credit report is influential in the lending process.

How does my credit report affect me?

Your credit report can affect your ability to:

  • Get a loan
  • Get a credit card
  • Obtain a mortgage
  • Credit scoring

It's important to be aware that different companies use different methods when they are deciding whether or not to give you credit.You do not have a single credit score and credit scores are not shown on your credit report. As the information held by credit reference agencies is used to determine what credit you can obtain, it is important those details are right. To view your personal credit information that lenders are currently basing their credit decisions on, apply online for free credit check:

Credit Report Providers
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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.