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Hello. I have never borrowed any money previously and have no idea of what my credit score is. How can I check my credit rating?

The internet is the place to start. There are several companies providing credit score searches but the two main companies are Equifax and Experian. Don’t worry too much about this, apply online and our computer system will help us find you a competitive car loan.

These credit agencies compile credit histories from a number of sources, including the electoral roll, county court judgments and how reliably you have paid loans, mortgage repayments and credit cards in the past. You may find, to your surprise, that having never borrowed before, your score is fairly low – you tend to be marked down for this.

About The Expert

Jon Le Roux is co-founder and company director of The Car Loan Warehouse. Being a mad engineering and motorsport enthusiast, I spend more hours than is healthy, watching, reading or talking about cars, boats, motorbikes…..basically anything with an engine.