You can complete the Get My Rate to see what your personalised rate is before you apply. Your personalised rate is based on your credit score. If you disagree with your credit score, you can get in touch with a credit reporting bureau to request access to your credit file. From here you can check that all the information held on your file is correct and request corrections where necessary. NOW FINANCE uses all credit bureaus to check your profile and generate your personalised rate, so if you are looking to proceed with an application for one of our loans, we recommend getting a copy of your credit report direct from Equifax, Illion or Experian and checking what information is held.