Helping consumers for over 20 years

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 23 Years, 35 Million Credit Scores & 8 Million Credit Reports Ago

The UK's First Provider Of Online Credit Reports

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

Article by Tom Blandford

22nd September 2021

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.

things that affect your credit rating what shows on your credit report

Article by Arron Dickens

22nd September 2021

Credit Search Footprints Left By Comparison Sites

If you’re one of the millions of people who use comparison websites to make sure you’re getting the most competitive insurance quotes, you might have noticed that every time you use a comparison site, you get an increased number of searches on your credit report.

finding your information

Article by Richard Catlin

22nd September 2021

Does Gambling Affect Your Credit Score?

If you’re among the 32% of Brits that gamble on a weekly basis and are thinking of applying for some form of credit in the near future, you might be wondering whether your activity could affect your Credit Rating and your chances of being accepted.

credit score preparing for a mortgage things that affect your credit rating what shows on your credit report

Article by Richard Catlin

16th September 2021

Last Minute Mortgage Checks

When could a non-bankrupt person be considered bankrupt? When they’re buying a house.

moving house preparing for a mortgage

Article by Jamie Mackenzie Smith

16th September 2021

Getting a Mortgage After Changing Jobs: Is It Possible?

When you apply for a mortgage there are probably nuggets of advice you’ve heard time and time again to make sure you increase your chances of getting accepted; like using a credit card to build up a credit history if you haven’t borrowed much in the past, or getting an agreement in principle to give you an idea of how much you’re likely to be able to borrow.

applying for credit preparing for a mortgage things that affect your credit rating

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0800 011 9894

Helping consumers for over 20 years

The UK's First Provider Of Online Credit Reports

Launched 23 Years, 35 Million Credit Scores & 8 Million Credit Reports Ago

The UK's First Provider Of Online Credit Reports

Late Payments & Defaults: What's The Difference?

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

Credit Search Footprints Left By Comparison Sites

Does Gambling Affect Your Credit Score?

Last Minute Mortgage Checks

Getting a Mortgage After Changing Jobs: Is It Possible?

Freephone on 0800 011 9894