eight. Augment one errors on your own credit file
To access the best mortgage deals it is important to have a a good credit score get. You can check your credit score for free with one of the main three credit reference agencies in the UK: Experian, Equifax and TransUnion. You can use your report to identify areas that you need to improve.
There are many things to do to improve your own score, and additionally making certain your bills try paid back timely and you will cutting your debts.
Read our ultimate guide to replace your credit history for the full lowdown. We’ve also put together a 12-few days bundle to a better credit score, which breaks it down into easy-to-follow steps.
5. Register in order to vote
Before you make a mortgage application, make sure you are on the electoral check in as this can improve your credit score by around fifty facts. It also allows lenders to check that you are who you say you are and make sure the details on your application are accurate.
If you are not registered to vote, you can sign up online. It only takes about five minutes and you’ll need your National Insurance number to hand. Check the Government’s website to see if you are qualified.
6. Keep your costs costs
Another important action you can take to boost your credit rating and you will possibility of getting the app acknowledged is to keep your costs payments.
Lenders will check your credit report to see how you’ve managed your finances in the past and use this data to predict your future behaviour. Missing just one payment can knock off around 130 factors from your credit score. Weiterlesen
