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Your credit account's 6-year past paying record is also taken into account in the creditor evaluation. Another new credit agency? CheckMyFile.com actually exists since March 2000, which surprised us. Now there are a number of credit bureaus in the UK from which you can select.
Other credit bureaus like ClearScore also promote on TV, but they are only suitable for a fast credit check or what we like to call a "snapshot overview". Prior to using CheckMyFile, just register with one of the credit bureaus and hopefully the credit information you have is the same everywhere.
This is not always the case due to our own experiences as mortgages consultants. Creditors are more and more collating information about us from several credit bureaus. Not only does this allow them to establish the most complete credit profiles about you, it also verifies all your payments through four credit rating companies, not just one.
In the past, as mortgages consultants, we have been told by clients that they have found a discrepancy between two different credit information they have received. Often you are unaware of any discrepancy in the information stored about you until you have requested a loan. There is a need to ensure that the billing behaviour and information stored about you is properly disclosed and logged through the best credit bureaus in the UK.
CheckingMyFile.com does it all in one single log. Free credit scoring is a great trick used by other credit bureaus to boost their service. What is most important for creditors, however, is your account payments behaviour. Creditworthiness is then the dot on the i or the "snapshot overview".
Given increasing day-to-day competitive pressures and the fact that more and more credit bureaus are promoting television in the UK, it is now more important than ever to use a full credit information servicevider. Do CheckMyFiles provide the most complete credit reporting in the UK? We' ve been using CheckMyFile. comfort for several month now and as your broker we really have the best image of your credit history to place you with the most appropriate creditor.
Getting a unique unified CallCredit (Noddle), Equifax and Experian reporting means that you and I have the best chances of seeing all of the credit information collected about us.