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Tips to Improve Your Credit Score

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Many first time buyers and home movers feel credit scoring is an unfair way of mortgage lenders assessing applications. Of course, the mortgage lenders feel differently about this, as it works out much cheaper and gives more consistent outcomes to minimise their risk.

If you’re worried about the credit scoring system for obtaining a mortgage, don’t fret. There are many mortgage lenders out there, each with their own scoring systems and criteria.

It can be helpful to obtain a copy of your credit report, when applying for a mortgage. If you send an up-to-date copy of your credit report to your mortgage advisor upfront and you will increase your chances of being accepted first time.

Obtaining a Copy of Your Credit Report

You can use various credit reference agencies such as Experian and Equifax however we recommend CheckMyFile as it provides an overview based on information from multiple agencies.

CheckyMyFile is FREE for 30 days, then £14.99 a month. You can cancel this online anytime.

Free Credit Report

Follow the link below to get a free copy of your credit report.

Tips to Improve Your Credit Score

The more our trusted and experienced mortgage advisors know about your finances, the better they can look to help you.


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About the Author

Malcolm Davidson

Managing Director of UK Moneyman LTD

Malcolm is one of the UK’s most well-known and respected Mortgage Advisors. He is passionate about providing a 5* customer experience and he has also trained and mentored dozens of fellow Advisors in a career that is now in its third decade.

In addition to his day to day duties as Managing Director, Malcolm still gives out mortgage advice and feels lucky that his job is also very much his hobby.

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Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk

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