Car Loans For Doctors
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When you make an application for a loan or credit of any sort, whether it's a bank credit card or store card, a loan or a mortgage, for example, you will undergo a credit check by the creditor that you are applying to for credit.
A credit check allows a lender to investigate your previous and present financial history, including whether you service your debts on time, are late in making payments, or have neglected payments. A credit check also indicates other unpaid debts and any County Court Judgements (CCJ's) and other lapses.
This offers the creditor a picture of what level of risk you will be if they decide to lend you money - and the probability of getting the loan paid back! In the end, no lender wishes to lend money to someone who pays it back late or not at all! This checking practice is termed credit rating.
There are a few bodies who have this information about you - the two principle ones are Experian and Equifax.
If you are in the process of making a decision about taking out a loan, request a copy of the credit report first of all. This will allow you to confirm that all of your information on it is accurate and query anything that looks out of place. For instance, even only a little bit of incorrect information - say your file records an existing debt that has been dealt with - could mean the difference between being offered a mortgage or loan - or not.
To get a copy of your credit record you must go through a credit record agency. It will cost you a small fee (approximately £2) and they will send you a copy for you to look through.
Confirm that your record includes you on the electoral roll - if this is not so, this will have an adverse impact on your credit score. Also, financial 'associations' - where maybe a person who lives with you or has lived at your address previously has an inadequate credit score - will have an influence on the probability of getting any credit.
If you notice information that is incorrect on your credit file, make contact, in writing, with the company who has put down faulty data concerning you, and send out a copy to the credit reference agency as well.
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