What credit check be conducted?

A hard search will be recorded on your credit file when you apply for finance.

We’ll perform credit and identity checks on you with one or more credit reference agencies (“CRAs”) including Equifax, Experian and TransUnion to ensure the information provided in your application is accurate.

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies.

This information allows consistent decisions to be provided, ensuring all applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

You may also have the option to run a soft credit check before clicking to apply. This means you’ll be able to see your eligibility and the rate you’ll be offered with no impact to your credit score before you apply for retail finance with us.