Credit report
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What is a Credit Report?
Consider your credit report as your financial CV, providing information that aids lenders in verifying your identity and assessing your reliability as a borrower.
This comprehensive record encompasses details of your credit accounts (including your repayment history), current and past addresses, and any financial associations (such as joint accounts). Credit reference agencies, commercial entities responsible for compiling credit reports, manage this data.
The three prominent credit reference agencies are Experian, Equifax, and TransUnion.Expect to find three slightly varied versions of your credit report, as not all lenders share the same information with each of the Credit Reference Agencies. Even more interesting (or perhaps challenging) is that not every lender will review each credit reference agency.
How does a credit report help?
When HoneyBee Mortgages apply for a mortgage on your behalf they will approach lenders who will do credit scores or credit searches. There are a variety of credit reference agencies that they use, some use 1 others use more than one. Believe it or not, but every Credit reference agency will have different information.
3 Credit Agencies Not Just 1
CheckMyFile Credit Reports have 3 different credit reference agencies, and this means HoneyBee Mortgages can insure that all the information they provide to a lender is correct and accurate. In addition, it will also assist HoneyBee Mortgages to ensure that you get the right deal for your circumstances.
Amend Errors to put yourself in the best position.
Errors on credit reports are rare, but if they do happen it’s important to get them resolved as soon as possible. Checkmyfile can resolve disputes quickly at all 3 Credit Reference Agencies for all data types through a single point of contact.
What are the benefits of Checkmyfile?
In addition to a free Report for 30 days and then £14.99 per month, cancel anytime.
- View your data from 3 Credit Reference Agencies, not just 1.
- Obtain an independent perspective with your checkmyfile Credit Score.
- Enjoy FREE Identity Fraud Assistance if you become a victim.
- Effortlessly cancel via Freephone or even online.
- Benefit from their commitment to never sell your personal data.
- Discover who is searching for you and the reasons behind it.
- Gain insights into your financial footprint before applying for a mortgage.
Try it FREE for 30 days, then just £14.99 a month – cancel anytime.
‘£12 will be paid by Check My File to HoneyBee Mortgage Services Ltd which is a trading name of Brook Financial Services Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited. Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited do not receive a share of this commission and has no direct affiliation with Check My File.
Important information
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.