EQUIFAX AND EXPERIAN

Both sides of the Mortgage and loans world use the Equifax and Experian credit agencies. The lenders use their databases to decide which customers they should target and how much credit they should give them.

Borrowers use Equifax and Experian to access their credit reports, work out how to make them better, check them for any errors that may occur, and most importantly check what problems may have prevented them from obtaining the mortgage they want.

To view your personal credit information that lenders are currently basing their credit decisions on, apply now for a Free copy of your credit report from Experian, the UK's largest credit reference agency.

CreditExpert is the first and only service in the UK to provide you with unlimited online access to your full credit history, which is even more than a lender would see.  Click here for a free copy of your credit report

Experian also has an identity fraud team that helps people to ensure that their data is safe and is not hijacked by fraudsters.

If you have been turned down for a mortgage already or feel that your credit rating may prevent you from obtaining the mortgage you need, we can arrange for you to speak to an expert. The relevant enquiry form is at the bottom of the page.

If you would like to see if we can arrange a mortgage or remortgage for you please complete the relevant enquiry form.

We feel that everyone deserves another chance. We at mortgages by phone have unprecedented access to lenders who will be only too willing to help.

Mortgage Enquiry Form

Remortgage Enquiry Form