Published Articles

Our team, past and present, have written countless articles 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.

Not just a vote - The importance of the Electoral Roll

Research undertaken by credit provider Aqua found that only one in five adults between the age of 18 and 24 is registered on the Electoral Roll. More worryingly, it also found that none of those surveyed believed that the absence of this listing could impact a credit application.

Published on 16 Jan 2020 by Paul Anderson Riley

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What the December 2019 election means for your Credit Report in 2020

The last few years have seen the UK perplexed by peculiar politics, with conversations dominated by polarising Brexit debates, Prime Ministers coming and going, and an increasingly tenuous state of Scotland. The only certainty seems to be the reliable and constant loom of total uncertainty.

Published on 13 Jan 2020 by Sam Griffin

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How Far Back Can I get my Credit History?

For your recent payment history information, your Credit Report has everything you need; that’s why it’s given so much importance by lenders whenever you apply for credit. But if you’re looking for information that’s six years old or more, it’s probably not be the best place to start.

Published on 10 Jan 2020 by Jamie Mackenzie Smith

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Declined with an Excellent Credit Score - Why?

Reaching a high Credit Score is a goal that everyone with a sense of financial ambition seems to be chasing. From financially focused professionals to students just starting out and everyone in between, we want to bump that number up just a little bit more.

Published on 9 Jan 2020 by Sam Griffin

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Bad credit on an address myths

When moving into a new house, the first thoughts that go through your mind could be along the lines of “what colour am I going to paint the kitchen?” or “will my wardrobe actually fit in the bedroom?” You may not immediately ask yourself “I wonder how much debt the previous occupant had!”

Published on 9 Jan 2020 by Kirstie Brown

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How Protective Registration Can Help You

One harsh truth about fraud is that, if you have fallen victim to one of the many fraud rings operating in the UK, it is possible that you’ll be targeted again.

Published on 8 Jan 2020 by George Coburn

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Arrangement to Pay markers

Have you seen an ‘AR’ mark on your Credit Report? Chances are you might glance at the letters and assume that they relate to payment arrears, but on Credit Reports an ‘AR’ appearing on the payment history means an Arrangement to Pay has been recorded on the account.

Published on 6 Jan 2020 by Ben Ryland

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How to Download and Print Your Credit Report

There are several different reasons you might need to print or share a copy of your Credit Report, such as assisting a mortgage advisor during an application, showing a specific entry to a lender, or even just to keep a physical copy for your personal records.

Published on 6 Jan 2020 by Paul Anderson-Riley

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How long is your credit information really held for

When applying for credit, most lenders will use the information held on your Credit Reports with the Credit Reference Agencies (CRAs) to determine whether they will be willing to lend to you. Any information obtained from the CRAs can then be used as part of the lender’s evaluation of your creditworthiness.

Published on 6 Jan 2020 by Tom Blandford

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The Current Status of This Year's Annual Canvass

Has the annual canvass included your 2020 Electoral Roll information?

If you registered or submitted changes to your Electoral Roll listing towards the end of 2019, the updated information should now be appearing on your Credit Report.

Published on 3 Jan 2020 by Paul Anderson-Riley

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