Car finance - where you stand - What should you do?
It's best to do this before you ask for a loan, as credit companies will be able to see every time you have applied, and multiple applications will arouse suspicions.
'Ten years ago 90% of people applied to us after being refused credit – now it's more like 30%,' says Jones. 'To improve your score ensure you are on the electoral register, outstanding debts are paid off and add a note to any bad reports that you can explain with sickness or redundancy.'
Abbey National also recommends providing as many, non-mobile contact numbers as possible, as this helps build the lender's confidence.