Your Credit Score

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Get your credit scores today

Seeing your current credit reports gives you an overview of exactly how lenders view your mortgage application.

In order to help you know where you stand with your credit ratings, we’ve teamed up with the three main credit reference agencies (Checkmyfile, UKCreditRatings, and Experian) to give you quick and simple access to your reports.

All you need to do is click on each link to sign up and view your reports. Keep reading below to find out why it’s important you make use of all three agencies.

Why is it important to get all 3 credit checks?

Each credit agency reviews different pieces of information relating to your credit history. So, in order to get a full understanding of your situation, using all three reports is vital.

Here’s some more reasons why you should get all three reports:

• The credit score of an applicant can be the key determining factor in whether your application is accepted or declined. So getting your hands on all the details you can is crucial.
• Being able to access all three scores gives your broker the best chance of finding you a top mortgage deal. This is because different lenders use various metrics to decide who they will accept for a mortgage.
• Issues or defaults might be reported to one agency but not to others. So accessing all three is the only way to get a complete picture of your overall credit score.
• By viewing your credit reports a mortgage broker can get an insight into how lenders might view your application. And then they can advise you appropriately.

How long does it take to get your credit scores?

It just takes a couple of minutes. All you need to do is sign up with your basic information. Once that’s verified, you’ll be able to view your credit score immediately!

How a broker can help with your credit reports

Some issues with your credit reports might be obvious, but some stumbling blocks might be more subtle. Using an expert broker who knows these agencies and reports inside out means that they can quickly evaluate all the information. Then, they’ll give you the correct feedback on how to proceed with your application.

Getting your credit reports and seeing the right broker

Credit scores play a decisive role in a successful mortgage application. By combining all your reports and the services of a specialist broker, you’re giving yourself the best chance of a positive response from the right lenders.

It’s completely free to sign up for the services of the credit reference agencies we’ve teamed up with and you can cancel anytime. There may, however, be a small individual fee to pay for each report.

Once you’ve got your scores, the brokers we work with can interpret all the information and match you up with the right lender straight away. So, when you have your reports to hand, just make an enquiry or give us a call on 0808 189 0463 to be paired up with an experienced broker.