A credit check is a simple and common-place procedure amongst financial lenders whereby a person seeking a loan has their credit history reviewed before any decision is made by a lender they have applied to, as to whether they will extend or offer them a loan.

This process is usually conducted with referral through the major credit providers.

Typically a credit check is done using a standardized credit pointing scoring system with factors such as age, where the applicant lives, occupation and so forth all determining the likelihood of obtaining a loan.