I need car finance but have poor credit, what Information Appears on My Credit File?

When you apply for a loan or other finance, you are usually checked with a credit reference agency. If you have a poor credit rating you may not get the finance you require. Match Me Car Finance have a proven track record for finding car finance for people with poor credit ratings.

Also, when you apply for a car finance quote with Match Me Car Finance, it does not affect your credit score.

Credit reference agencies collect and display slightly different financial data about you, so it’s definitely worth checking more than just one of them for a more accurate idea of your credit score..

As a rule, your file will contain:

  • name, address and date of birth
  • some search footprints on your file, such as credit applications
  • financial links to other people – for example, a joint loan or bank account
  • any late/missed payments or defaults
  • how much money you owe to lenders
  • any County Court Judgments (CCJs) against you that are not paid in full within one month of receiving the notice
  • if you’re on the electoral register at your current address
  • if you have been declared bankrupt or entered an IVA (Individual Voluntary Arrangement).

It won’t show any of the following information:

  • your salary
  • student loans
  • medical history
  • criminal record
  • council tax arrears
  • parking or driving fines.

However, you might be asked for this information when applying for a loan or contract.

They might then choose to use this information alongside your credit report to assess you.

Remember, Match Me Car Finance specialise in poor credit car finance and when you apply for a quote for car finance with Match Me Car Finance it doesn’t have any impact on your credit score.

If I have poor credit and want car finance how do I know?If I want car finance, where can I check my credit score?
Contact

Match Me Car Finance

The Royals
353 Altrincham Road
Manchester
England
M22 4BJ

0330 058 4616

enquiries@matchmecarfinance.co.uk

Opening Hours

Monday to Thursday : 9am -7pm
Friday : 9am – 5pm
Saturday : 9am – 5pm
Sunday : 10:30am – 3:30pm


If you would prefer to speak with one of our Finance Executives before making an application, please don’t hesitate to call or request a call back. Thank you for visiting, we hope to see you again soon!

Match Me Car Finance Ltd (Company No. 11224794) T/A Match Me Car Finance is authorised and regulated by the Financial Conduct Authority (FRN No. 803714).

We act as a credit broker not a lender. We can introduce you to a limited number of lenders who may be able to offer you finance facilities for your purchase. We will only introduce you to these lenders. We may receive a commission payment from the finance provider for the introduction if you decide to enter into an agreement with them. The nature of this commission is as follows: we receive a fixed fee commission per finance agreement entered into, or we receive a commission based on a percentage of the total amount of finance taken. We will disclose the amount of any commission we will receive and gain your explicit consent before the agreement is entered into. Our service is entirely free to our customers. You may be able to obtain finance for your purchase from other lenders and you are encouraged to seek alternative quotations. If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) at financial-ombudsman.org.uk. Applicants must be 18 or over, terms and conditions apply, guarantees and indemnities may be required.


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