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It's important to know what credit reference agencies hold about you and to make sure it's accurate

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    What is On Your Credit Report?

    Your credit history is basically a financial record of all credit payments you’ve made over your recent past. Your credit history will take into consideration:

    • Bill payments
    • Credit card usage
    • Credit limits
    • Mortgage payments
    • Any loans or debts
    • Electoral register

    It will also note any missed credit payments, or whether you have opened multiple credit accounts in a short period of time. Both of which can negatively affect your credit score.

    On a more positive note, your credit history will also consider whenever you have made payments on time, your high credit limit and your lack of loans, all of which can lead to a positive credit score. Throughout your lifetime, your credit report will rise and fall depending on your financial situation, but it’s important to keep your credit score as high as possible.

    Many mortgage lenders will only accept applications from potential homeowners with a high credit score. A better credit report makes an applicant more likely to meet monthly repayments, reducing the risk for the lender. They rely on this credit information when making you an offer, with each lender having its own acceptance criteria.

    Mortgage Calculator

    If you’re unsure about how much you can borrow, try out our mortgage calculator below to see what your mortgage repayments might look like. Please keep in mind that this is only an estimate as each mortgage lender has different guidelines and requirements.


    Credit Reports with AP Mortgage Solutions

    Our team of mortgage advisors have years of experience dealing with credit reports when applying for a mortgage. We understand the minimum requirements for homeowner loans and can help increase your chances of being accepted. We’ll work with you to improve your credit score when looking to purchase a new property.

    As your credit score is likely to vary between credit reference agencies, our access to all three main agencies helps us to find you the best possible mortgage deal that suits your credit history.

    Our credit reports pull together all existing data, so you’re not left trying to gather information from three different agencies. You can receive your free credit report by clicking the button below, helping you understand your credit with a stress-free and hassle-free service. Get in touch with AP Mortgage Solutions for more information on checking your credit score.

    Get Your Credit Report


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