The Covid-19 pandemic has shown us just how much global economies can been affected. If your finances have suffered now or previously we can help you with the mortgage process. Our lenders use credit reference agencies such as Experian, Equifax and transunion to decide if they will accept your mortgage. Why not sign up to a credit report and see what they can see too?
Things to always check on your credit file –
- Make sure that you have correctly disclosed your address history, a lot of reference agencies rely on you to input your data correctly, check for linked addresses and see if there is anything you have missed.
- Check for any errors on your credit file, if you have cleared a debt or settled a default this should show up.
- As debts like defaults can be bought by third party collection agencies, they can sometimes not get updated correctly. Making a call can fix this and should then show when your score updates.
There are a lot more factors to our advisors check for and research when assessing our credit impaired customers, if you have any further questions the team would be happy to help.