Published Articles

Our team, past and present, have written countless Artices over the last 10 years on key credit matters as well as providing commentary on current affairs with a direct impact on UK consumers - typically coming from a financial perspective.

Which accounts will show on your credit file

Credit account information relies on lenders to report those accounts to the UK’s Credit Reference Agencies. Not all types of account will appear on Credit Reports for this reason, so while some regular monthly payments will show up there, many others won’t.

Published on 12 Jul 2018 by Neil Greenhill

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10 Credit Myths Busted

Credit checks are an integral part of modern life: from buying a house or car to applying for a new job or passing a tenancy check, your Credit Report is remarkably versatile. But considering what an important role it can play, there are still a number of popular myths surrounding them.

Published on 11 Jul 2018 by Kirstie Day

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The Advantages & Disadvantages of Store Cards

There are a number of reasons you might take out a store card: whether you’re just waiting in-line at the shop and find out you can save on today’s shopping or they offer the promise of making money in the future, these cards regularly find their way into wallets (or phones via an app). Most big retailers offer their own cards, which allow you to take your purchases home – often with a nice discount applied – without having to part with a penny at the till.

Published on 10 Jul 2018 by Tom Blandford

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What Happens When You Miss a Payment?

Late payments are a common entry on Credit Reports and can occur against all credit agreements – everything from mortgages to store cards. Unless you have a Direct Debit set up to make repayments automatically each month, you’re reliant on remembering to physically make your repayments each month and inevitably, mistakes happen.

Published on 6 Jul 2018 by Kiah Phillips

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What are Satisfied and Settled Credit Accounts?

What's the difference between Settled and Satisfied on your Credit Report?

Your Credit Report contains a huge amount of information about you, and how you’ve managed your credit agreements in the past. Different parts of your report will have a different level of influence on how you will be judged by a typical lender, but there are some entries where a small variation can have a big difference.

Published on 2 Jul 2018 by Sam Griffin

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What Happens To Your Credit Report When You Move Country?

Moving from one country to another results in a lot of changes and new things – a new place and culture, new job, new people and in some cases even a new language. However, one thing lots of people do not realise is that you will also be starting afresh when it comes to your Credit Report. Credit Reports and the information they contain are country-specific and do not follow you from one country to another.

Published on 27 Jun 2018 by Kirstie Day

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What’s Worse: Bad Credit History or No Credit History?

Whenever an application for credit is made, a prospective lender is basically looking to ensure (as much as they can) that any money they loan is going to be repaid on time. A key component in their final decision is the applicant's previous history of borrowing and making payments on time. But how does a typical lender view a consumer with little or no credit history, compared to someone with negative information recorded against them?

Published on 21 Jun 2018 by Tom Magor

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The Current Status of This Year's Annual Canvass

Has your electoral roll information been included in the 2018/2019 annual canvass?

Depending on where you live, you may have noticed a Household Enquiry form for the 2018/2019 Electoral Roll as part of the Annual Canvass dropping through your post box.

Published on 20 Jun 2018 by Paul Anderson-Riley

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What To Do If You’re a Victim of Data Breach

Another day, another high-profile data breach, with the morning news bringing word of another leak of personal information that affects millions of consumers. This time it’s the turn of Dixons Carphone - the company behind PC World, Currys and Carphone Warehouse.

Published on 14 Jun 2018 by Jamie Mackenzie Smith

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How my address can influence a credit check

Many people incorrectly assume that their credit score can be plagued by the previous occupants of your address. This, to quote Douglas Adams, is “a load of dingos’ kidneys” and your credit report should entirely reflect your credit and repayment history and has no bearing on your home’s former tenants.

Published on 12 Jun 2018 by George Coburn

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