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If your doctor only had 60% of your medical history, would you want to take their advice? Each report holds different info so your expert needs to know everything before you can get matched with the best lender.
YES! We’re not making this up, but it is a bit weird – All UK lenders for anything, credit cards, loans, mortgages etc. report back to different agencies, so each report can often look different. A default on a credit card might be reported to Experian but not to Equifax or Crediva, if you get your Equifax report and think all is rosey you’ll get declined and not know why!
Typically you will need address history covering the last six years. Sometimes if you only have a short history the providers can struggle to access all of your data, and gaps can mean key info is missed, and your score is lower.
2 minutes! You sign up, key your payment details so they can verify your identity, and then you can log in and view your report online immediately.
Your advisor will need a PDF of your report as screenshots might miss vital information which could delay finding you a suitable mortgage lender.
If you’re using Check My File, to create a PDF of your credit report, click the ‘Download Printable Report’ at the bottom of the page.
A password will be attached to your report, if you’re using Check My File. You don’t need to reset the password, but if you do you’ll need to share it with us when you attach your PDF document so that we can access the data.
Great question! The main info lenders look at is your payment conduct (have you made payments on time, do you have any defaults, have you gone over spending limits etc.), and public record (for CCJs, bankruptcy etc.).
You can pick out any issues relatively easily, by assessing the payments made, and looking for any red 1s, 2s, 3s etc. There will be a different view and key for each provider, showing what the numbers and symbols mean.
If you see anything incorrect then it’s best to contact both the report provider, and the lender. If it is a genuine error they can correct it (which often can improve your score if it was negative). If its disputed, you may need to resolve this before it will update on your file.
Not necessarily no! We have OMA®Experts who get mortgages approved for people with credit issues every day, so just because you have an issue, or were even declined by one lender, doesn’t mean you can’t get a deal.
Make an enquiry and we’ll get one of the experts to help!
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We know everyone's circumstances are different, that's why we work with mortgage brokers who are experts in all different mortgage subjects.
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About the author
Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.
Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for OMA of course!
Mortgage Advisor, MD
*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.
Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.
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