Inheritance Tax Probate Bank Loan
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When you apply for a loan or credit of any sort, whether it is a credit or store card, a loan or a mortgage, for instance, you will be subjected to a credit check by the lender that you are asking for credit.
A credit check is a means for a loan provider to examine your past and current financial history, including whether you settle your debts on time, make overdue payments, or have missed payments. A credit check also presents other unresolved debts and any County Court Judgements (CCJ's) and additional defaults.
This then gives the loan provider details of what level of financial risk you present if they determine to lend to you - and what the chances are of getting the money back! Naturally, nobody is willing to offer money to someone who pays it back late or defaults on it entirely! This checking process is referred to as credit scoring.
There are a few bodies who compile this data about you - the major ones are Experian and Equifax.
In the event you are considering borrowing money, get hold of a copy of the credit report beforehand. This means that you can determine if all of your information on it is right and point out anything that is inaccurate. For instance, only a tiny bit of incorrect information - maybe your file mentions an unpaid debt that has been paid - could mean the difference between being granted credit - or not.
In order to obtain a copy of your credit record you have to make contact with a credit reference agency. You will be charged a small fee (around £2) and they will send you a copy for your perusal.
Verify that your credit file shows you on the electoral roll - if this is not the case, this will have a harmful consequence for your score. Also, financial 'associations' - where possibly another person who lives with you or previously lived at your address has a poor credit score - will affect your likelihood of getting any credit.
If you see information that is false on your credit file, make contact, in writing, with the organisation who has presented wrong information regarding you, and forward a copy to the credit reference agency as well.
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