We’ve all been there – biting our nails whilst the nice lady in the bank leaves the room to go and check just how credit worthy we actually are. Just how do they check, how do they scoreĀ and what can they find ? What is a credit check? When you apply for a loan, credit card, store card or mortgage, the lender will conduct a credit check before approving your application. To define, a credit check is the process of judging the creditworthiness of the borrower by reviewing his credit repayment history. The lender basically examines the borrower’s capability to Keep Reading >>>