Credit Report

In the UK, there are four main credit reference agencies that play a critical role in determining your creditworthiness: Equifax, Experian, TransUnion, and Crediva. These agencies gather and analyze your personal banking information to assess how effectively you manage credit. The result of this analysis is summarized into a single number known as your credit score.

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Your credit score is incredibly important as it influences various aspects of your financial life. It determines the interest rate you pay on credit cards, whether you can secure a mobile phone contract, and most importantly, it can impact the type of mortgage you can obtain and the interest rate associated with it.

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As part of our initial mortgage assessment, we thoroughly review your credit history to ensure we approach the most suitable lender based on your credit score. We believe that the best way for you to understand your credit report and score is to see it firsthand.

There are two ways you can access your credit report:

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• Individual Requests: You can request your credit report directly from any or all of the four major credit reference agencies.

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• Through Our Partners: We can connect you with our partners who offer a comprehensive service that provides a side-by-side                comparison of the information held about you by Equifax, Experian, TransUnion, and Crediva, all within a single report.

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This approach gives you a complete and clear understanding of your credit standing, allowing us to tailor our mortgage advice to your specific situation.