Fixed Mortgages Provider
How can I improve my chances of getting credit?
First of all, get an up-to-date copy of your credit file to see if there are any inaccuracies on it such as a satisfied County Court Judgment (CCJ) that is still showing as unsatisfied or debt that is still showing as outstanding. You can get a copy of your report from one of the credit referencing agencies such as Equifax, Experian or CallCredit PLC for around £2.
If you do see any errors or inaccuracies, these should be notified to the relevant lender in writing.
Check that you don’t have any financial associations or financial connections on your file that aren’t relevant. For example, if someone you have lived with previously – or even someone who was at your address before you – is shown as still being there on your report, this could affect your credit rating.
Make sure that you are on the Electoral Roll – especially if you have recently moved. This can seriously affect your chances of getting credit if you are not showing on there.
At all costs, avoid companies who say that they repair your credit! Any changes that need to be made to your credit file can be instigated by you. You do not need to pay a third party to do it on your behalf.
Keep checking your credit report regularly – this way you can keep an eye on it.
If an application is refused, do not make repeated applications again or elsewhere. Find out why you were declined and take steps to put it right. Lots of declined applications on your file will make the situation worse.
Finally, when making an application, always fill in the correct details each time, especially moving home dates. Failure to do – or even a slip of the pen – could see you being refused credit.
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