Need to raise funds

AndrewSmith

If you are looking to raise extra money then they may ask for income details etc and carry out a credit check.

If you are simply switching to a different rate then it can be done in some cases almost instantly with very little information being requested by the lender.

Ask them to tell you if they need to do a credit check so that you know.

brickman0430

Hmmmm maybe i should leave well alone, take out an unsecured loan through my girlfriend to clear up my bad credit record, then think again.