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.