Your credit report will list credit history details about you over the previous 6 years, such as mortgages, unsecured debt – credit cards, loans, car finance, overdrafts, mobile phone contracts and utility contracts, such as gas & electricity. In addition, your credit report will give details of your payment history for this credit agreements. The most widely used credit report checking agencies that lenders use are Equifax and Experian, although there are other agencies available. By allowing lender to view details on your credit report, they can build a profile of what you are generally like as a borrower and the level of your available credit.
You can check your report at checkmyfile.com.
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