Before you apply if you are applying for an overdraft, mortgage, credit card or other type of loan, it is a good idea to check your credit report. It will also help you spot any payments that are missed didn’t realize had been missed, or errors in your credit file.

Notably, you will get information that is incorrect. You might also need the proper to incorporate a declaration to your credit history to spell out any special situation – see ‘Rules’ below.

Your credit history will show each right time a lender has seen your details additionally the explanation they did so. This can be known as a ‘footprint’ (Central Credit join report) or ‘history of enquiries’ (ICB report). It indicates you will understand that has viewed your credit history when.

Every loan provider must make provision for you with information on any credit guide agency this has utilized whenever evaluating the application for the loan.

Demand a noticeable modification to your credit history

Exactly what do you will do if you have wrong info on your credit file? Read more