This article is out of date
We are currently updating our help site. To view the most recent version of this page, please visit:
When you apply for a loan from us or another lender, they may access a copy of your credit file to help them make a decision about whether to lend you money. Every lender is different but they will generally look out for things like defaults, late payments and the number of credit enquiries. It is essentially your ‘credit footprint’.