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Experian Credit Report

In April 2014, the Mortgage Market Review (MMR) was introduced to make mortgage lending more responsible and stable. This means that, if you’re hoping to borrow to buy a property, you need to be confident you’ve considered how you will be able to manage your repayments in the long term - for example, in the event of an interest rate rise.

These stricter affordability rules mean that lenders will pay close attention to your income, monthly outgoings and savings as well as the information in your credit report and application form.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Experian CreditExpert offers

  • Access to your Experian Credit Score and Report
  • Get help from Experian’s award winning UK-based call centre
  • Be alerted of potential fraudulent activity with the identity protection service
  • Get the support you need from the Experian experts if you become a victim of fraud.

Once signed up you’ll receive alerts whenever there are certain changes to your Experian Credit Report, keeping you informed and giving you the ability to check potential anomalies. Checking your Experian Credit Report regularly is a good way to protect against identity fraud. Experian CreditExpert gives you unlimited online access to your Experian Credit Report and Score, thus ensuring that you are always aware of your financial status.

Additionally the Web Monitoring tool continuously monitors the web and public registers and notifies you if Experian find your data somewhere it perhaps shouldn’t be.

Is there anything I can do to boost my chances of getting a mortgage?

Income plays a major part in whether you get approved and the size of your mortgage. You also stand a better chance of securing the best rate by checking and understanding your credit report. A good report can not only boost your chances of being approved, it might help you get a mortgage at a lower rate, which will mean lower monthly repayments or possibly the ability to borrow more.

Checking your Experian Credit Report & Score regularly is a good way to protect against identity fraud.

how much does a Credit Report cost?

A monthly fee of £14.99 applies after your free trial. You may cancel during your 30-day free trial without charge. A free trial is available to new customers only. Free trial period starts on registration - further ID verification may be required to access full service which may take up to 5 days.

Why should I check my Credit Report?

Most mortgage lenders want to make sure you’re able to pay them back before they give you credit – They calculate a credit score to help work out whether you’ll repay them. Your Experian Credit & Score gives you an indication on how lenders may score you, based on the information in your Experian Credit Report.

It’s important to check your credit report before you make an application for a mortgage, to check that everything is correct and up to date.




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You can choose how Bright Money Independent Ltd are paid for mortgages; typically we do not charge however, you can pay a fee, usually 1% of the loan amount,
in cases that more work is required we may agree a fee upfront before any work is undertaken.
For Equity Release we are typically paid by the lender, however we offer a fee only service which is 1.5% of the loan amount.
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