Covid 19 Status

In line with HM Government requirements to fight the spread of Covid-19 we have measures in place to ensure that we protect our staff, their families and the wider community, but also to ensure that there is minimal disruption to our customers.

Your access to online Multi Agency Credit Reports, Expert Help and Account Management remains unaffected. We take great pride in the support that we provide to our customers and throughout this period will do all we can to minimise the impact on our services. While the country remains in lockdown we will continue to support your queries via a dedicated and experienced team that will be securely working from home, and supported by a Management Team that will continue to be based at our head office and who will be able to provide customer support as required.

The security measures that we have in place to protect your Personal Data, in line with our Privacy Policy, will mean that some elements of our personalised support are affected during this period as our support team will be working with anonymised data when working remotely. Freephone access to our Credit Analysts has been removed during this period while we focus our efforts on continuing to reply to all of your emails and secure messages within one working day.

Thanks for your understanding, and we hope to have full customer support available as soon as possible and wish you well during these challenging times.

CREDIT REPORT SERVICES AND ONLINE EXPERT HELP ARE FULLY OPERATIONAL - PHONE LINES ARE CLOSEDCOVID-19 STATUS

ONLINE SERVICES FULLY OPERATIONAL
PHONE LINES ARE CLOSEDCOVID-19 STATUS

How to go all 007 and get yourself an Aston Martin

Posted by Richard Catlin in Credit Check on 17 September 2015 - Richard is Marketing Director at checkmyfile.

Spectre, the 24th Bond film, is released in November and is sure to feature a string of vehicles that will have cinema goers gazing longingly.

Which got me thinking – if he didn’t get his cars for free from ‘Q Branch’ would James Bond use car finance?

Given that Aston Martin has produced the DB10 especially for the film, with none due to go on sale in the UK, even Daniel Craig himself might struggle to get his hands on one – assuming any are left in one piece at the end of filming.

Even the special edition DB9 GT Bond Edition is already out of reach. All 150 that have been built are already sold.

So, a normal DB9 it is then – but how to pay for it?

Cash is king of course, but again, not too many people have the spare £152,027.14 (you’d think they would let the 14p slide) OTR cash price.

Instead, car finance is likely to be the way to go. In 2014, over 75% of all new car registrations involved some sort of finance, such as a loan, lease or PCP.

The good people at Aston Martin are no different.

With a mere £50,154.53 deposit and 35 monthly payments of £1,495, you could be the proud owner of a DB9 GT Volante. Well, technically you wouldn’t own it until you’d paid the optional final payment of £63,822.56, but you get the picture.

The trouble is, even if you could afford the deposit and then the monthly repayments that are bigger than the average mortgage, you’d still be turned down flat for the finance if your credit rating wasn’t up to scratch.

It doesn’t matter whether you’re buying a Dacia Sandero or a Ferrari – if your credit score doesn’t hit the required level, you’re going to struggle to be approved.

So remember, before you head off to buy your next supercar, check your credit report first.

Thinking of car finance? Check Your Report First

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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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When information on your credit report is wrong

One of the main benefits of keeping track of your Credit Report is that you are able to monitor exactly how your accounts are being reported to potential lenders, mobile phone providers, and utility suppliers (to name just a few). Whether the account information is correct or not, these companies are increasingly relying solely on computers to interpret your Credit Report and, when there is incorrect information, consumers face the potential of being declined for everyone’s least favourite reason – computer says ‘no’.

Published on 3 Jan 2020 by George Coburn

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Can I Rent With Bad Credit?

The outcome of the credit checks carried out by landlords or letting agents is a pivotal moment in the application process when you go to rent a property, but the actual information they will be looking at is probably a lot less daunting than you might expect.

Published on 20 Dec 2019 by Jamie Mackenzie Smith

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Could Your Voice Pass a Credit Check?

Speech recognition has come a long way in a relatively short period of time and is now a fairly accepted part of everyday life.

Published on 23 May 2019 by Richard Catlin

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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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Why Insurance Quotes Use Credit Checks

When you go online to get an insurance quote (be it home, car or most other products that involve a monthly premium) you may unknowingly be only a few clicks away from undergoing a credit check. Very often you won’t even see a specific notification before it happens unless you read through the company’s terms and conditions in their entirety.

Published on 8 Mar 2019 by Jamie Mackenzie Smith

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What’s Worse - Bad Credit History or No Credit History?

Whenever an application for credit is made, a prospective lender is basically looking to ensure (as much as they can) that any money they loan is going to be repaid on time. A key component in their final decision is the applicant's previous history of borrowing and making payments on time. But how does a typical lender view a consumer with little or no credit history, compared to someone with negative information recorded against them?

Published on 21 Jun 2018 by Tom Magor

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What Landlords, Employers and Lenders See on Your Credit Report

Your credit report is likely to be viewed many times during your life - often at key moments. While you might expect this when you’re about to apply for a mortgage or a car loan, it may also be checked by a prospective landlord or employer, and just like lenders, there are some key pieces of information they’re looking for that can make or break your job application or property rental.

Published on 29 Jan 2018 by Sam Griffin

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How lenders can change your interest rate even after an account has been opened

Most people are aware that your credit report and rating have a heavy bearing on whether a lender accepts or declines an application, and the rate of interest that comes with the account. However, not everyone knows that credit scoring – in the form of a particular lenders’ appetite for ‘risk’ - can continue to have an impact on your account even after it has been opened.

Published on 24 Jan 2018 by Kiah Phillips

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6 Things Lenders Don’t Want to See on Your Credit File

We live in a time where credit ratings have an ever-increasing impact on our lives. Mortgages, loans, car finance, phone contracts… almost anything that involves a degree of borrowing is likely to involve your credit report, or rather, the information it contains. A lot of information goes under the microscope during an application and unless you know exactly what you’re looking at, you may not realise which elements could be hurting your rating the most.

Published on 5 Jan 2018 by Beth Jennings

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