Loan Lender Loans For Tennants With Very Very Bad Credit
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When you make an application for credit, whether it is a credit card or store card, a mortgage or a loan, for instance, you will be subjected to a credit check by the loan provider that you are applying to for credit.
A credit check helps a potential creditor to examine your past and present financial history, issues such as whether you meet your financial obligations on time, make overdue payments, or have failed to make payments. A credit check also shows additional unpaid debts and any County Court Judgements (CCJ's) and other lapses.
This then gives the creditor a profile of what degree of risk you will be should they choose to give you credit - and what the chances are of getting the money they've lent you back! In the end, nobody wishes to lend to someone who pays it back late or doesn't pay at all! This checking procedure is termed credit scoring.
There are several bodies who keep this information about you - the two principle ones are Equifax and Experian.
If you are thinking about taking out credit, request a copy of your credit file beforehand. This will allow you to check that all the data showing on it is correct and challenge anything that is inaccurate. For instance, just a small piece of mistaken information - maybe your file records an unresolved debt that was paid - could be the key factor in being granted a loan or mortgage - or not.
For a copy of your file you can contact a credit reference agency. They will charge you a small fee (around £2) and a copy will be sent to you for you to look through.
Confirm that your credit record has you on the electoral roll - if not, this will have a damaging consequence for your credit score. Also, financial 'associations' - where possibly a person who lives with you or who lived at your address before has a weak credit score - will have an impact on your likelihood of getting any credit.
If you notice anything that is not correct on your record, report it, in writing, to the company who has included faulty information concerning you, and deliver a copy to the credit record agency too.
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