Your selected question and answer is provided below. Question:When is a credit reference carried out? Answer: This will happen when you make an application. Related Questions What happens when I apply for car finace with Madison Finance? When do I get the money? How do I make repayments? Can I change my mind about taking out car finance with Madison Finance? Can I apply again if I am not accepted the first time? Can I choose the date to make my repayments? What can I do if my loan is not approved and I don't agree? What is credit scoring? Back to FAQ .