Credit Score & Credit Report Articles

We've been helping consumers access their Credit Reports online longer than anyone, so it's fair to say we know a bit about what we do. Here you'll find handy articles covering a range of topics, plus all the latest news on product improvements and features.

The UK's First Provider Of Online Credit Reports

Launched 24 Years, 35 Million Credit Scores & 8 Million Credit Reports Ago

The UK's First Provider Of Online Credit Reports

Article by Tom Blandford

1st October 2021

What Doesn’t Appear On Your Credit Report?

People are often just as surprised at what isn’t reported on their credit file as what is. It can be a bit of a shock when they finally do come to check their report and find that a lot of their spending and earning has gone largely unheralded.

Article by George Coburn

27th September 2021

What Are Address Links And Why Are They On My File?

The sheer amount of historic information held by Credit Reference Agencies (CRAs) can seem daunting when seen for the first time. This is certainly true for address links, which show current and historic addresses, as well as additional addresses that lenders think may be linked to you. But you can rest easy, because they're nothing to fear.

finding your information moving house

Article by Tom Magor

27th September 2021

How Long Do Closed Accounts Appear On My Credit Report?

Some people believe that as soon as a credit agreement is settled and closed, it will no longer be reported to the UK’s Credit Reference Agencies and therefore will no longer have an influence on future credit applications. However, this is a popular misconception, one that could affect your ability to get credit if not correctly understood.

closing an account data removal what shows on your credit report

Article by Ben Ryland

27th September 2021

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.

moving house preparing for a mortgage

Article by Neil Greenhill

24th September 2021

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.

finding your information

Article by Tom Blandford

24th September 2021

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.

improving your credit score things that affect your credit rating

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01872 304050

Credit Score & Credit Report Articles

The UK's First Provider Of Online Credit Reports

Launched 24 Years, 35 Million Credit Scores & 8 Million Credit Reports Ago

The UK's First Provider Of Online Credit Reports

What Doesn’t Appear On Your Credit Report?

What Are Address Links And Why Are They On My File?

How Long Do Closed Accounts Appear On My Credit Report?

Keeping Your Electoral Roll Up-To-Date After Moving House

Which Accounts Will Show On Your Credit File?

Late Payments & Defaults: What's The Difference?

Phone on 01872 304050