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.

Refused a Mobile Phone? Find out why

Nowadays mobile phones are more popular than some of our favourite everyday things, like microwaves, pets, and televisions. But are mobile phones really more valuable than hot food, loyal companionship, and Sir Trevor McDonald’s sultry tones? ‘Yes’, say a massive 96% of Brits aged 16 and over, who frequently use mobile phones every day, ‘Trevor McDonald isn’t even on TV anymore.’

Published on 21 Feb 2020 by Sam Griffin

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Other names on my Credit Report

Your Credit Report is a detailed record of your financial history – one that is central to all sorts of major life events, like applying for a mortgage, a new car, or even a job. Unexpectedly finding another person’s name on your Credit Report can therefore understandably cause a bit of a shock.

Published on 19 Feb 2020 by Sam Griffin

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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 14 Feb 2020 by Paul Anderson Riley

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What's More Important: Your Credit Score or Report Data?

The relationship between Credit Scores and Credit Reports is pretty cyclical: one being strong usually means the other is equally good and you should have easy access to credit, right? Well, in a way. You might be surprised though how much of a role a ‘score’ really plays when it comes to borrowing.

Published on 12 Feb 2020 by Paul Anderson-Riley

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Does being a guarantor affect my Credit Rating?

The term guarantor isn’t usually something that comes up in everyday conversation, until you’re suddenly faced with a pressing need for one, or are asked out of the blue to become one. It’s unlikely you’re reading this without some idea of what a guarantor is, so let’s get straight to the detail of what being a guarantor means.

Published on 11 Feb 2020 by Andrew Brown

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Do we use FICO in the UK?

A US news story has dropped that’s generating some charged discussion about FICO, the American credit scoring company. FICO has recently announced that the way it calculates Credit Scores is changing. Due to a re-jig in its algorithm, an estimated '40 million Americans are likely to see their Credit Scores drop'.

Published on 10 Feb 2020 by Sam Griffin

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Disputing a Late Payment or Arrears Marker on your Credit Report

Many of us have been there – we have too many things on our mind so we may have missed a payment on our credit card or loan. But what happens when you check your Credit Report and spot a late payment or case of arrears that you know aren’t correct? Where do you stand and what can you do to rectify the error?

Published on 7 Feb 2020 by Kirstie Brown

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Why do organisations share my personal data?

You may have seen recently that Lewisham and Greenwich NHS Trust has been sharing patient data with the Credit Reference Agency, Experian.

Published on 4 Feb 2020 by Sam Griffin

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Your Rights When Cancelling a New Credit Agreement

For most people applying for credit the main concern is whether or not they will actually get accepted. But occasionally a change in circumstances (or even just a little time to reflect on your purchase) means that a bigger concern might be whether you can change your mind and withdraw from a credit agreement (be it a credit card, personal loan or other credit facility) after it’s been granted, potentially preventing you from taking on additional financial responsibility that you no longer want or need.

Published on 3 Feb 2020 by Tom Magor

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Which Credit Reference Agency does my bank use?

Knowing which Credit Reference Agency (or agencies) your bank has a relationship with gives you a bit more insight into who it’s sharing your data with – as well as helping you know which of your Credit Reports will be inspected if you apply for another product with that bank.

Published on 28 Jan 2020 by Sam Griffin

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