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All lenders will carry out a credit search, a credit score or a combination of the two upon receiving your application. Your credit file will provide the lender with a profile of how you have handled your current and past credit commitments.

If you are unsure of any bad credit registered against you or have been turned down for mortgage by a lender, it may be a good idea to obtain a copy of your credit file.

The two largest credit reference agencies are Equifax and Experian. The consumer credit act allows both agencies to charge £2.00 for providing you with copies of your personal information.

Information about Equifax can be found at their website at www.equifax.co.uk

Information about Experian can be found at their website at www.experian.co.uk