Originally Posted by Doctor_Wibble:
“Yes, I know what it is and I get why they would need it, but the question is what use would I have for it? I can't go to a lender and say 'look at my magnificent rating give me some money', they do all their own checks - any rating I get from a website may well tally with their information but anything an applicant tells the lender is in the first instance considered at best unconfirmed, alongside any initial claims of outrageous salary and assertions of ability to repay.”
I recently did a remortgage, and I had to order my own credit report. It used to cost £2 from Experian, for example, but now you just sign up and make sure you cancel within the first month so you don't get charged after that (same procedure as the Amazon Prime trial, then). I think I received a PDF file which I sent to my mortgage broker. There must be stuff in there that identifies it as genuine, and it saves them a job.