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.

The Advantages of a Multi-Agency Credit Report

These days your Credit Report can be checked for any number of reasons throughout the year, including background checks during job applications, landlord checks and even from insurance or utility providers when you shop around for quotes.

Published on 17 May 2019 by Paul Anderson Riley

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What Credit Searches Mean

One of the most commonly misunderstood aspects of Credit Reports are the credit Search Footprints left on your report whenever someone accesses your file.

Published on 25 Apr 2019 by Kirstie Day

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Late Payments & Defaults: What's The Difference?

When a lender checks your Credit Report, one of the most important elements it considers is payment history as reported to the Credit Reference Agencies. On a perfect applicant’s Credit Report, every credit account would be reported with a clean payment history, indicating that they are a low risk to the prospective lender, but in the real world this isn’t always the case.

Published on 23 Apr 2019 by Tom Blandford

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Do I Owe a Debt If It's Not On My Credit Report?

Information that appears on your Credit Report should (in most cases) follow a fairly predictable lifecycle. But don’t think that if an unpaid debt no longer shows up, you’re no longer responsible for it.

Published on 21 Apr 2019 by Tom Blandford

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How to dispute an account error on your report

Whether you’ve been turned down for credit in the past and have checked your Credit Report to make sure there’s nothing there harming your chances, you’re checking ahead of making an application, or you’re just looking to make sure everything is as it should be, there’s never a good time to find a mistake with the information on your report.

Published on 17 Apr 2019 by Kelly Luff

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Aspects of Mortgage Lending Decisions

The vast majority of mortgage providers keep their lending criteria a closely-guarded commercial secret, which makes figuring out your chances of getting accepted for mortgage tricky, though a mortgage broker may be able to point you in the right direction based on your credit history.

Published on 16 Apr 2019 by Kevin Pearce

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Getting a Mortgage After Changing Jobs: Is It Possible?

These days it’s estimated the average person in the UK will change jobs twelve times during their working life, so it’s perfectly plausible that during at least one of those switches might involve moving house at the same time.

Published on 9 Apr 2019 by Jamie Mackenzie Smith

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How To Check if Someone Is Using Your Identity For Fraud

Scams and fraudsters may have evolved to become more sophisticated over time, but when it comes to fighting back, one piece of advice has stayed true: If you’re concerned that you might have fallen victim to identity fraud or want to better protect yourself against it, your Credit Report is one of the best places to turn.

Published on 3 Apr 2019 by Paul Anderson-Riley

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The Reason Why Employers Carry Out Credit Checks

Credit checks are commonplace in the UK these days, playing a major role in events such as applying for a mortgage, car finance and renting a property to name just a few. Less commonly known is that sometimes even a new job can require that you pass a credit check as part of the selection criteria.

Published on 1 Apr 2019 by Sam Griffin

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Do I Have a Default? How to Find Out

For lots of lenders, coming across a default on your Credit Report is a troubling sign. It’s certainly more serious than a missed payment or arrears on your file, which are likely to have less of an impact on your chances of being approved. A default represents a key moment in the eyes of a lender: it shows that on a previous credit agreement you stopped being a borrower and became a debtor.

Published on 29 Mar 2019 by Jamie Mackenzie Smith

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