Credit File

Will I be Credit Checked?

Yes, our lenders use a Quotation search on both you and your Guarantor. Read More

Can I Get a Loan with Bad Credit?

Typically, yes. We've over 25 UK lenders who specialise in helping people with a poor credit rating. Read More

Do guarantors get credit checked?

Yes. Your credit file is checked when the signed completed application is sent to the lender. Read More

Does the loan appear on a guarantors credit file?

Loans do not appear on the guarantor’s credit file. Read More

Can you be a guarantor with bad credit?

Typically, lenders will only allow loan backers with a good to marginally imperfect credit score. Read More

Can having a loan affect (even improve) my credit score?

Yes, in potentially good and bad ways. Read More

Can being a guarantor affect your credit rating?

Possibly. When first applying to be a guarantor, this typically does not affect your credit file. Read More

What is my credit file and score?

Let’s start with a very quick overview of what your credit file actually is. Read More

How do I find out my credit score?

To find out your credit score, this is most easily done with a multi-agency credit report. Read More

Is debt consolidation an alternative to bankruptcy?

Bankruptcy should always be viewed as a last alternative. With other less extreme options often available, it’s important to ensure...
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