Credit Check
All lenders base decisions to lend on a number of factors. These include credit score as provided by Equifax or Experian; Residential address and status; Associated and financially linked persons; Recent applications for credit; Credit repayment history; Total Indebtedness; Age; Time at address; Registration on electoral register; and Income.
There is no such thing as a credit black list. At best4loans we recommend that you consider the following advice in order to you can re-engineer your credit rating in order to become credit worthy.
In order to be fully aware of the contents of your credit history you will need to obtain a copy of your credit file held by the major credit reference agencies.
Click on one of the two links below to view your credit file:
In many cases, Best4loans can consolidate even problem credit
Problems with your credit file? Below are some useful links:
Equifax credit bureau:
www.equifax.co.uk
Experian credit bureau:
www.experian.co.uk
Online Registration for the Electoral Register
If you are not registered on the electoral roll we recommend that
you register yourself with your local council as this will have an
effect on your credit score. We have included a link to a website
that will provide the contact information to your local council.
www.aboutmyvote.co.uk/pcsearch/PcodeRequest.cfm?Chan=3
Need to dispute an entry on your file?
Should you wish to dispute any information that you find on your
credit report you will need to inform the credit reference agency.
The following link can be used register a dispute online with Equifax.
www.econsumer.equifax.co.uk/consumer/uk/showNoticeOfDispute.ehtml
Want an entry on your file correcting?
A notice of correction can be added onto your credit report where you
feel that you would like to explain any information on you file. The
following link can be used to submit a notice of correction online.
https://www.enconsumer.equifax.co.uk/consumer/uk/shownoticeofcorrection.ehtml
Want to disassociate your credit file from that of another person?
Should you find information on your credit file belonging to another
person with whom you do not have a financial association we recommend
that you inform the credit reference agency and have this removed as it
may be impairing your credit rating.
https://www.enconsumer.equifax.co.uk/consumer/uk/shownoticeofdisassociation.ehtml
We recommend that you follow our advice as this can improve your credit scoring and therefore have a positive effect on any application that you make for credit.