Credit Scores and Searches

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What is a credit score, credit search or credit reference?

A credit score is a numerical value attached to you by a credit agency to determine your creditworthiness for lenders and providers looking to loan you money.

There are currently 3 main credit reference agencies who gather and hold your all your financial transaction information.

Companies looking to offer you credit can access this information and use it make a judgement about suitability to lend to you.

The agencies are Equifax, Experian, and Transunion.

To check your file in one report, visit Checkmyfile.

“I have a score of 999 from one agency and my friend only has 585. Why the difference?”

“Do Credit Reference Agencies determine whether I get a loan?”

“Can a Credit Reference Agency Blacklist me?”

“If information is wrong about me on a credit report, can I get it changed?”

“Will information be about me forever?”

“Do all mortgage lenders use credit scoring as a method of judging loan suitability?”

“Do I need some form of credit before I get a mortgage approved?”

“How does a mortgage lender or credit agency know where I live?”

“My credit score is excellent therefore I will get the mortgage I want.”

“I share a house with someone who is awful with money. Will this go against me?”

“My credit score is poor. Does this mean I won’t be able to get a mortgage?”

“I did not realise I had a CCJ served against me for non-payment of a parking fine. What can I do?”

“I have been told to not keep checking my credit score as that will harm it, is that true?”

“What is a soft footprint and what is a hard footprint credit search?”

“Can you help me access my credit file?”

*Accurate as of publication date 27th April 2020.


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