Your credit score
Updated: 1st September 2020 | Published: 10th March 2020
Mortgage Applications & Credit Reports
To give your specialist advisor the best chance of finding the right mortgage for you, they’ll need a copy of your credit reports.
Get your reports and then safely and securely upload them to our support team by following these three easy steps:
Step One: Sign up on a laptop or desktop computer
We’d recommend getting a report from all three as they can be different, and lenders may require different information.
Typically, it takes less than five minutes to sign up and, in most cases, your report will be ready to view immediately.
CheckMyFile is a popular choice with many people as it covers data from Equifax, Experian, TransUnion and Crediva.
|Free for 30 days then £14.99pm –|
|Free for 14 days||Free for 30 days|
|Click here to get your free credit report||Click here to get your free credit report||Click here to get your free credit report|
Step Two: Save your report as a PDF
We need a PDF of your report as screenshots might miss vital information which could delay finding you a suitable mortgage lender.
You won’t be able to generate a PDF on your phone, which is why Step One – Sign up on a laptop or desktop computer – matters!
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.
Additional information you may find useful
- Lenders like credit reports from Experian, Check My File or UK Credit Ratings. We’d recommend getting a report from all three as they can be different, and lenders may require different information
- Along with your credit report, our advisors will need address history covering the last six years
Why does your broker need 3 reports?
- Every lender in the UK has their own unique criteria regarding who they will accept for a mortgage.
- Credit reports can be the determining factor between being accepted for a mortgage and being declined.
- Having access to all three would give the broker the best chance of finding you a mortgage and the best deals.
- Looking at your credit reports will allow the mortgage broker to see what the lenders see.
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Track your enquiry
If you have any questions about your enquiry, you can call us on 0808 189 2301 and we’ll be happy to help.