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Credit checks and rating?

marrow26 Posts: 7 Forumite

14 February 2011 at 4:29PM in Credit cards

What will my credit check and rating be like if i apply for a loan?

Not had much dealings with banks apart from taking a loan out a year ago, apart from that, my wages go in, and i withdraw. Paid the loan repayments 46/47 times on time, with the only exception being paid back within the week and the charge with it.

Does that mean if i apply for another loan with another bank, my credit check rating should be good?

When i applied for the initial loan, i had no history with banks and still got approved, so not sure how they found a credit rating from that?

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