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When applying for a loan, mortgage or any credit facility, lenders check your credit file as a way of assessing the risk. However, as there are 3 main credit agencies for reporting credit, it can be time-consuming and expensive to obtain data from each provider.
We recommend Check My File as it provides data from the 3 leading UK agencies in one report; which is quicker and easier for you and provides all the data we need to assess your case.
The main advantage, however, of obtaining a multi-agency credit report, is the fact that many lenders only use data from one or two of the three main agencies, and equally only report to one or two of these agencies.
If your missed payment is showing on one agency, but not on the others, then your enquiry can be placed with a lender that does not use that credit agency for their credit check; therefore, allowing you to potentially benefit from better products, rather than those that allow for adverse credit which is typically more expensive.
If you’re aware of adverse credit on your credit file or are wanting to check your file before submitting your enquiry with us; then click on this link to obtain a free copy of your credit report.
Try it FREE for 30 days, then £14.99 a month – cancel online anytime with Check My File.
Once you have obtained your credit report, send us a copy along with your enquiry for your FREE assessment.
For many investors, credit files can cause issues when trying to obtain property mortgages and loans.
Adverse credit in a lender’s eyes is a red flag when deciding on whether to lend to an individual or not, so obtaining a full credit report can help us place your enquiry efficiently and effectively whilst spotting any causes for concern.
The 3 credit agencies this report will show are Equifax, Experian & TransUnion.
They may differ in the information as lenders will have a selected agency they work with, so your information will show on some and not others.
Our advisers offer a FREE consultation, so please give us a call or use the “Get in Touch With Us” form at the end of this page.
Advantages of Obtaining Your Credit Report
Disadvantages of Obtaining Your Credit Report
Important Information
ANY PROPERTY USED AS SECURITY, WHICH MAY INCLUDE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
We are a credit broker not a lender.
Advocate Finance Ltd, registered at 55 Crown Street Brentwood, Essex CM14 4BD. Company Register number is 05579380. Authorised and Regulated by the Financial Conduct Authority. Our FCA registration number is 592830.
You can check via www.fca.org
We are registered with the ICO, Z1654205 and you can check via www.ico.org.uk.
We conduct both regulated and unregulated business and therefore not all products provided through us are regulated by the Financial Conduct Authority. We source mortgages and loans from a panel of lenders.
We may receive a commission that will vary depending on the lender, product, the amount borrowed or other permissible factors.
Advocate Finance is a mortgage and finance brokerage firm that specializes in securing loans and mortgages for various types of properties, including single properties, large portfolios, commercial sites, and development projects. They assist clients regardless of credit history, circumstances, or legal ownership, aiming to provide tailored financing solutions