Updated: January 14, 2022

Your Credit Score

Worried past financial woes will ruin your mortgage chances? Find out your true credit score from the 3 big credit agencies to help you get a mortgage!

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No impact on your credit score

Pete Mugleston

Author: Pete Mugleston - Mortgage Expert

Updated: January 14, 2022

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.

FAQs

What information do mortgage lenders see on your credit report?

Along with your basic personal information, lenders will also be able to see things such as: borrowing history, registered addresses, current and past employers, open loans, credit card accounts and limits, credit inquiries and applications.

Which credit scores do UK mortgage lenders use?

Each lender will have their own preferences about which credit score they prioritise. This is why we’ve partnered with Checkmyfile, UKCreditRatings, and Experian. By accessing all your credit reports, you can cover all bases and make sure you’re not letting a mistake that’s easy to remedy ruin your application.

What’s a bad credit score?

Each credit reference agency scores their reports differently. And each lender will also have their own scoring system for judging an applicant’s credit. But don’t fret if you have a low score. An expert broker can help guide you on how to improve your scores and assist with resolving any mistakes or potential issues.

Can you improve your credit score before applying for a mortgage?

Yes! You can improve your score. But it’s crucial to get all your credit reports and then speak to an expert to help you evaluate them to see where you can make improvements.

If you’d like to know more about what actions you can take to improve your credit score take a look at our dedicated article on this here.

Ask a quick question

We know everyone's circumstances are different, that's why we work with mortgage brokers who are experts in all different mortgage subjects. Ask us a question and we'll get the best expert to help.

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Pete Mugleston

Pete Mugleston

Mortgage Expert

About the author

Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.

Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for OMA of course!

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FCA Disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms that are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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