There are many companies that offer free credit history checks. Make sure all the information is correct and no names or addresses are wrong. Check all financial associations are right and any missed payments have been recorded correctly.

If you find any of the information on your credit report is wrong, you may be able to correct it. Make sure you inform the credit reference agency of any errors.

Also if you have a lot of unused credit cards and other accounts, closing some could improve your rating.

This can be based on credit score. Evolution Money has a proud history of lending to people with lower scores than some lenders, but some scores may still be too low.

There are many companies that offer free credit score checks.

Here at Evolution Money you must:

Be a homeowner as this is a secured loan you must be a homeowner with a mortgage

Be aged 21 – 70 and the loan must be paid back by your 70th birthday

Live in England, Wales, Scotland and Northern Ireland

Be permanently employed either full time or part-time or you must have been self-employed for a minimum of 12 months’ continuous period.

It’s easy to update and improves your credit chances as it provides proof of your current address to lenders.