Your credit file 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 file will give details of your payment history for this credit agreements. The most widely used credit file checking agencies that lenders use are Equifax and Experian, although there are other agencies available. By allowing lender to view details on your credit file, they can build a profile of what you are generally like as a borrower and the level of your available credit
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