As part of the mortgage process lenders will carry out a credit check, which will look at whether you have kept up payments on existing commitments, and whether you appear on the Electoral Register. It is vitally important that your personal credit file is accurate and up to date, so we strongly recommend that you set up an account and carefully check your report. We recommend that you use Checkmyfile.com, as this pulls information from all four credit agencies and provides an easy to read report:
From a lenders perspective, a good credit report carries an awful lot of weight in the decisioning process. Conversely, a poor report can have a significant negative impact on your application, so it’s vital that your report is accurate and up to date.