Free credit check service

Where can I get my credit report?

There are 3 main credit reference agencies in the UK -Experian, Equifax and Transunion. All of the agencies will offer the various ways to see your credit report, ranging from a free statutory credit report through to monthly subscription services which offer services such as fraud alerts and coaching to help improve your credit score.

Why do you need a credit check?

When lenders assess your mortgage application, they use a credit reference agency and credit scoring to help them make a decision. This credit checking process has a big impact on whether you will get a mortgage or not.

Rather than this process going on behind closed doors, you can get ahead of the game and avoid disappointment and wasting time by checking your credit report and credit score. This means that if there is something on your credit file you are not expecting you may be able to sort it out before applying for a mortgage.

If you've got a low credit score - what next?

If you're looking for a mortgage and have a bad credit score, don't just head to a bad credit specialist. Call us first. We look across the mortgage market and our experts will know which lender may be sympathetic to your circumstances, and remember - we do not charge a broker fee.

You may even find that rather than being placed on a specialist mortgage with a high interest rate we can find you a standard mortgage. If you are already on a specialist mortgage and have been paying higher interest rate it might be worth seeing if we can switch you to a better mortgage deal.