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.

Keeping your electoral roll up-to-date after moving house

Few things in adult life are more stressful than moving house. The planning, the packing and of course the last-minute panicking about paperwork. Even once you’re in, mountains are quickly made from molehills and before you know it, you’ve lost those tiny keys for the windows – never to be seen again.

Published on 14 Jan 2019 by Ben Ryland

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What Credit Checks Look For When You Switch Energy

As we get deeper into Winter, it’s inevitable that millions of consumers across the UK will end up using more energy and spending more on bills due to the colder weather and long stretches of darkness.

Published on 9 Jan 2019 by Jamie Mackenzie Smith

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What Information Is On My Credit Report?

If you’ve ever taken out a loan, credit card, or other form of finance, you’ll know that the difference between acceptance and rejection relies heavily on the outcome of what the lender finds when it checks your Credit Report.

Published on 4 Jan 2019 by Paul Anderson-Riley

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Can Right to Erasure Get Rid of Bad Credit History?

General Data Protection Regulation (GDPR for short) was introduced on 25 May 2018 and unless you’ve managed to avoid the internet and checking your emails completely for the past year, you’re likely to have been bombarded with messages from nervous sounding websites updating their data policies.

Published on 3 Jan 2019 by Jamie Mackenzie Smith

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Am I On The Electoral Roll? How to Find Out

Find out if you're on the 2019 Electoral Roll Online

In addition to providing the ability to vote, being registered on the Electoral Roll (sometimes called the Electoral Register) is of vital importance when it comes to your credit rating and how you'll be assessed. An Electoral Roll listing is often considered 'the hook on which all other data hangs' and therefore plays a key role in establishing a strong credit file.

Published on 3 Jan 2019 by Tom Magor

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The Current Status of This Year's Annual Canvass

Has the annual canvass included your 2019 electoral roll information?

If you registered or submitted changes to your Electoral Roll listing towards the end of 2018, the updated information should now be appearing on your Credit Report.

Published on 3 Jan 2019 by Paul Anderson-Riley

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Why Searches Can’t Be Removed From Your Credit Report

The Searches section of your Credit Report shows you who has accessed the information on your Credit Report within the last couple of years. This effectively acts as a log of when you’ve checked your own Report, as well as a record of lenders checking as a result of applications for credit in your name. You’re also likely to see searches relating to prospective employers, landlords, insurance companies and other identity checks.

Published on 2 Jan 2019 by Beth Jennings

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What Is An UltraFICO Score And Could It Work In The UK?

Would-be borrowers in the US have been given a potential new route when it comes to proving their creditworthiness to potential lenders, thanks to the recently announced UltraFICO score, which looks beyond the information traditionally used to assess credit applications.

Published on 28 Dec 2018 by Katherine Cornell

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How To Take Out Credit When Overseas In The Armed Forces

It’s no secret that the number of the UK’s active military personnel is set to decline further between now and 2020, but of the 145,000 UK Regular Forces across the Army, Navy and Air Force in 2018, as many as 18,500 served overseas during that time. With the recent news that the Army will accept recruits from commonwealth countries as well, a further portion of our armed forces is likely to be based overseas in the coming years.

Published on 27 Dec 2018 by Jamie Mackenzie Smith

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A Cautionary Tale About Switching Banks

Switching current account providers is incredibly easy these days – and I can vouch for that from recent personal experience. But experiencing the process first hand has also served as a reminder that it’s not completely flawless and that if you don’t pay attention, your Credit Rating could take a hit – even if it’s a temporary one.

Published on 19 Dec 2018 by Richard Catlin

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