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  • Credit Report & Score

Your credit report 

Have you ever wondered how a bank or lender decides whether or not to give you credit? One of the tools they use is your credit report (or file) to determine credit risk. This tells them about your credit history and helps them assess how much of a risk lending to you will be.

 

Where to get your credit report & score

You can access your credit report online from the any of the links below. Most offer free trial periods. Noodle will provide your credit report & score, free for life.

  • Equifax
  • Callcredit
  • Experian
  • Credit Karma

Helpforbuyers Ltd has no control or responsibility for the above page links or to where any subsequent links may take you.

Credit report with score

What’s in your credit report?

Your credit report typically holds the following information:

  • A list of all your credit accounts. This includes bank and credit card accounts as well as other credit arrangements such as outstanding loan agreements or those with your utility company. They will show whether you have made repayments on time and in full. Items such as missed or late payments will stay on your credit report for at least six years. So too do court judgments for non-payment of debts, bankruptcies and individual voluntary arrangements.
  • Details of any people who are financially linked to you, which means you’ve taken out joint credit.
  • Public record information such as County Court Judgments (called ‘Decrees’ in Scotland), house repossessions and bankruptcies for six years after they occur.
  • Your current account provider, but only details of overdrafts.
  • Whether you are on the electoral register.
  • Your name and date of birth.
  • Your current and previous addresses.
  • If you’ve committed a fraud (or someone has stolen your identity and committed fraud) this will be held on your file under the CIFAS section.

Your credit report doesn’t carry other personal information such as your salary, religion or any criminal record.

Speak to one of
our friendly team to arrange your no obligation free initial mortgage consultation.
Please call 0330 111 0514

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Email communications are not secure and for this reason Help For Buyers cannot guarantee the security of the email, its contents or that it remains virus free once sent.
We will use your name, email address and contact number (personal information) to contact you about the services you have requested or respond to an enquiry you have submitted, which will require us to share your personal information with our advisers and providers. For further information on how your information is used, including disclosure to third parties, how we maintain security of your information and your rights in relation to the information we hold about you, please see our privacy policy on this website.

A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

We typically charge a fee of £395 for processing your mortgage; our fees only apply when you decide to go ahead with an application. We may also receive commission from the mortgage lender, typically, this is 0.37% of the mortgage loan. Based on a £100,000 loan this would be £370.

The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

Helpforbuyers.co.uk is a trading name of Helpforbuyers Ltd which is an appointed representative of TenetLime Limited, who are authorised and regulated by the Financial Conduct Authority (FCA) under reference 311266. Further details can be found on the financial services register at

www.fca.org.uk/register

The FCA is the independent regulator of financial services in the United Kingdom.

Helpforbuyers LtFacebookd has no control or responsibility for the pages you are about to access, or to where any subsequent links may take you.

Helpforbuyers.co.uk Trading Address:
Richardshaw Business Centre, Richardshaw Road, Pudsey, Leeds. LS28 6RW

Helpforbuyers Ltd is a Company Registered In England & Wales
Company Registration Number: 10273786
Registered Office Address:
Fairfax House, 6a Mill Field Road,
Cottingley Business Park, Bingley. BD16 1PY

Tel: 0330 111 0514

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