If you think your chances of being accepted for a mortgage or remortgage will be affected by your previous credit history, it may well be a good idea to get a copy of your Experian credit report. If you already have been previously declined then you most certainly should.
To view your personal credit information that lenders are currently basing their lending decisions on, apply now for a Free copy of your Credit Report 
from Experian, the UK’s largest credit reference agency.
To get a “Bad Credit” mortgage or remortgage arranged very often needs specialist help.
If you order a copy of your credit report you receive all the information a lender could see using Experian as a credit reference agency. This includes public information and private financial details. Your application will be made under Section 7 of the Data Protection Act 1998. It is only possible to get a copy of your own credit report; you cannot apply to see anyone else’s. You can only get information relating to UK addresses. If you currently live abroad you must provide Experian with documentation linking you to that address.
Nobody can tell you exactly how an individual mortgage lender will score your application. This is because lenders may take different information into account in their credit scoring and may even have different scores for different products.
They will certainly not tell you exactly how they do their calculations, as it is commercially sensitive information. But if you are refused credit, the lender should give you a basic explanation of how scoring works, tell you the main reason for their decision and say whether this decision was because of information on your credit report.
At MortgageMap we do not arrange mortgages for anyone but we can introduce you to one of our network of professional mortgage and loan advisers.
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EXPERIAN CREDIT REPORT