Academy
Training Session · Beginner · 12 min+50 Mortgage Fitness Unlocks: Records Ready badge

Weeks 1–2: Get Your Paperwork Straight

Electoral roll, all three credit reports, and how to actually get an error fixed — the fortnight of paperwork most people skip.

Welcome

The first fortnight isn't about money. It's about paperwork.

There's no clever financial move in the next two weeks. No new card, no balance shuffling, no product to buy. This fortnight is entirely administrative — making sure the record a lender reads about you is accurate, complete, and says what you think it says.

That sounds unglamorous, and it is. It's also the reason it gets skipped: everyone wants to start with the interesting part. But every other session in this path — utilisation, credit builders, consistency, timing — assumes the underlying file is correct. If your address history is wrong or one agency's file has an account listed that shouldn't be there, you can do six months of perfect behaviour and still get a decision you don't understand.

By the end of this session you'll know exactly what to register, what to download, what to look for, and — crucially — how to get something changed when it's wrong.

Register and verify your address

Pull all three reports

Earn Records Ready

Company details: Getting Your Mortgage Ltd. Registered office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF, United Kingdom. ICO registration: ZC177396.

Regulatory status: GYM provides Mortgage Fitness guidance only and is not itself authorised by the Financial Conduct Authority to give regulated mortgage advice. Any regulated mortgage advice is provided by FCA-authorised advisers we introduce you to, after a full fact-find. The Mortgage Fitness Score is for guidance only and is not a mortgage offer, decision in principle or guarantee of approval.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Think carefully before securing other debts against your home. Buy-to-let mortgages and some forms of commercial or overseas lending are not regulated by the Financial Conduct Authority.

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Weeks 1–2: Get Your Paperwork Straight · 12 min · +50 XP