If you need to, there are a number of things you can do to improve your credit rating. This includes things like getting on the electoral register and making sure you make any existing repayments on time. Keep in mind, any late or missed payments can negatively impact your credit rating.
The major credit reference agencies in the UK are TransUnion, Equifax and Experian.
It can be a good idea to check your credit report, if only to make sure there are no mistakes on your file. Remember, your credit report isn’t the only thing that a bank will look at when making a decision. So it won’t tell you whether or not you will be approved.
A small mistake can impact the outcome of your application. For example, if you live in a flat your address may need to be written as Flat A, 123 High Street rather than 123A High Street. Before hitting submit on any application, make sure everything is completely accurate.
Multiple applications in a short period of time can give the impression that you’re having trouble managing your money. If you're just looking to see how much you'd need to pay back per month then you can get an estimate from a calculator.