Debt Consolidation Loan Company
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When you fill out an application for credit, whether it's a store card or credit card, a mortgage or a loan, for example, you will undergo a credit check by the creditor that you are approaching for credit.
A credit check is a tool for a potential creditor to look at your previous and present financial history, issues such as whether you meet your financial obligations on time, are late with payments, or have not made payments. A credit check also reveals additional unresolved debts and any records of County Court Judgements (CCJ's) and other defaults.
Consequently this offers the loan company a profile of what kind of financial risk you will be if they choose to lend you money - and what chances they have of getting the loan paid back! In the end, no one is keen to give money to someone who pays it back late or doesn't pay at all! This checking process is known as credit rating.
There are a few agencies who keep this financial information - the best known are Experian and Equifax.
In the event you are making a decision about taking out credit, get a copy of the credit report first of all. This means that you can confirm that all of your information within it is accurate and point out anything that is not right. As an example, even only a little bit of mistaken information - say your report records an unresolved debt that has been paid - might be the determining factor for being granted credit - or not.
In order to obtain a copy of your record you can go through one of the credit reference agencies. It will cost you a small fee (about £2) and a copy will be sent to you for you to look through.
Verify that your credit file has you on the electoral roll - if you are not there, this will have a negative influence on your credit score. Also, financial 'associations' - where possibly a person who is living with you or previously lived at your address has a weak credit score - will influence your capacity to get any credit.
If you find information that is not correct on your credit file, report it, in writing, to the company who has put down wrong information about you, and send a copy to the credit reference agency too.
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