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

Child maintenance court records to show on your credit report

Posted by Kirstie Brown in Personal Finance on 20 January 2020 - Kirstie is a Senior Credit Analyst at checkmyfile.

Since March 2015, The Child Maintenance Service (CMS) has been sharing information with the UK’s Credit Reference Agencies. This means missed Child Maintenance payments can be flagged up on a late payer’s Credit Report, potentially harming their Credit Rating and making a successful credit application – whether a mortgage, credit card, or loan to name a few – even more tricky.

The government issued a stark warning, in the form of a 2014 press release, to those making child support payments: ‘Pay your child maintenance or damage your Credit Rating.’

When will missed Child Maintenance payments affect my Credit Report?

Child Maintenance debts will be reported to the Credit Reference Agencies only after a liability order is made against you. So, if a single payment is late, it’s unlikely to feature on your Credit Report as a negative marker just yet.

Instead, liability orders are usually issued as a measure of last resort to claim owed maintenance payments when all other recovery avenues have failed. They also allow court enforcement agents or sheriff officers to visit the debtor’s home to recover the funds – or take away valuable assets.

According to gov.uk, these measures, including the threat of a (metaphorical) black mark placed on the debtor’s Credit Report, are aimed at the small number of people who miss their payments. In June 2019, there were 4,600 liability orders in place, with a total 63,100 people behind on scheduled Child Maintenance payments. While the number of Child Maintenance debtors is minor compared to the 700,000 children covered by these payments, the government saw fit to target the non-payers specifically with heavy deterrence, threating the worst offenders’ Credit Ratings.

What will a Child Maintenance debt mean for my Credit Report?

As the Child Maintenance debt is overseen by the Magistrates Court, a liability order relating to child services will feature in the Court Records section of your Credit Report. This will be alongside any bankruptcies or County Court Judgments (CCJs), for example.

The issuing court should be named, along with the reference number which will always start with ‘CMG’ (Child Maintenance Group), and the date the liability order was issued.

Although the official government guidance confirms that CMG entries can be shared with the Credit Reference Agencies, in practice – and at time of writing – they appear only with one CRA, Experian.

If you are unsure about the status of any Child Maintenance payments, you can contact the Child Maintenance Service on its dedicated website.

All Court Records carry severe negative effects on Credit Ratings and liability orders are no different. Often assessed similarly to CCJs, liability orders can threaten an application’s approval chances, whether you’re looking for a mortgage, short-term loan, or new mobile phone contract, for instance.

While all lenders have unique acceptance criteria, they tend to value a potential customer that demonstrates reliability and the capability of meeting the repayment terms. Because the presence of Court Records on a Credit Report will act as a red flag to a large proportion of potential lenders, any liability orders recorded against you on your own Credit Report could disrupt future credit applications you might make.

It’s important to note that, unlike regular accounts that feature on Credit Reports, the routine repayment of Child Maintenance debt won’t positively contribute to your overall Credit Rating. The presence of any liability orders on your Credit Report is purely a punitive measure.

Steve Webb, then Child Maintenance Minister from 2010-2015, commented, "For too long, a minority of absent parents have got away with failing to pay maintenance, leaving families without that financial support.

"I would hope that we see this power used very little, because the deterrent effect of a possible negative mark on a person's Credit Rating will convince those who have previously failed to pay towards their children's upbringing to do the right thing”.

The heightened deterrence has also been welcomed by Gingerbread, a charity for single parents, who believe it is vital the payments are collected to ensure the wellbeing of those children supported by them. Fiona Weir from Gingerbread gives the decision context, saying, "More than £1bn is currently owed in unpaid child maintenance, and barely one in five of those who owe money for their children are paying it back”.

How do I check my Credit Report?

If you’re looking to check your Court Records, or are just curious about your Credit Rating, you can check your Multi Agency Credit Report free for 30 days, then just £14.99 per month. Sign-up is quick and cancellation is easy online, by freephone or email.

Our Multi Agency Credit Report is the most detailed in the UK, having complete information from all four Credit Reference Agencies, including Court Records. By having all your information in one easy-to-use format, you can quickly and easily compare what the Credit Reference Agencies hold on you.

Updated 20/01/2020 by Sam Griffin

Statutory Sick Pay: What you can get

Recent health concerns in the UK are starting to worry workers – and that’s putting it mildly. Pandemics and tumbling stock prices are rarely good for business and, where businesses struggle, often so to do the personal finances of workers. But what happens if you fall ill in the middle of all this?

Published on 19 Mar 2020 by Sam Griffin

Full Article

Lloyds and Nationwide to offer coronavirus mortgage payment holidays

Lloyds Banking Group – which includes Bank of Scotland and Halifax – is just one lending organisation that’s offering to help ease financial pressure on customers impacted by the recent coronavirus (Covid-19). Mortgage payment holidays are the most talked about measure, but there’s a host of other measures for renters and credit card customers too. Worries over debt repayments are understandably widespread, as the virus continues to damage not just the health of workers across the UK but businesses and share prices overall.

Published on 19 Mar 2020 by Sam Griffin

Full Article

Everything you need to know about buy now pay later

One of the latest trends in retail is the growing popularity of buy now, pay later schemes. The premise of buy now, pay later is exactly as it sounds, allowing shoppers to delay and stagger payment for a product that they can take home immediately.

Published on 2 Mar 2020 by Andrew Brown

Full Article

How Far Back Can I get my Credit History?

For your recent payment history information, your Credit Report has everything you need; that’s why it’s given so much importance by lenders whenever you apply for credit. But if you’re looking for information that’s six years old or more, it’s probably not be the best place to start.

Published on 10 Jan 2020 by Jamie Mackenzie Smith

Full Article

Blue Monday: The Most Wonderful Time of the Year

Once Christmas is done and dusted, tree packed away or sent for shredding, and decorations retired for another year, a powerful mindset seems to swiftly grip the UK, leaving everyone convinced that January is the worst time of the year. The Christmas spirit has floated out the window as quickly as it arrived, and we’re left with cold, rainy days and the inevitable mountain of credit card bills.

Published on 2 Jan 2020 by Sam Griffin

Full Article

Do New Year's Resolutions Work?

Before launching yourself into a New Year’s resolution, it’s worth treating the age old tradition like any other product or service – check out reviews from people that have already tried it, see if it’s worth the effort and – crucially – find out whether or not it will actually work.

Published on 24 Dec 2019 by Sam Griffin

Full Article

Applying for credit at christmas

Christmas is known as the season of giving, but it can be easy to go overboard. There are two very important questions you should ask yourself before launching Christmas presents at everyone: ‘How much is this going to cost?’ and ‘What’s in it for me?’ Let’s find out.

Published on 23 Dec 2019 by Beth Reeves

Full Article

Which Credit Report Information Can Landlords See

These days whenever you rent a property you may be required to pass checks set by the landlord or letting agent to prove that you will be a good tenant and can reliably make rent payments to the property on time.

Published on 20 Dec 2019 by Kevin Pearce

Full Article

CCJs or County Court Judgments

It’s no secret that the levels of unpaid debts in the UK have been rising over the last few years, as household incomes stagnate and everything else in this world seemingly becomes more expensive. According to Credit Action, debt per adult is over £31,000 – or around 110% of average earnings. It’s also projected to take a whopping 26 years of consistent, minimum monthly payments to clear an average credit card. Debt may be all around us, but what happens when payments can’t be made when they fall due?

Published on 6 Dec 2019 by Kevin Pearce

Full Article

Could your Netflix and Spotify subscriptions help build your Credit Score?

Building creditworthiness takes time and diligence. At the heart of improving your Credit Rating is the simple habit of managing existing credit agreements well, and proving to potential lenders that you are a good credit risk.

Published on 31 Oct 2019 by Andrew Brown

Full Article
keyboard_arrow_left

keyboard_arrow_right

We are rated number 1 for customer service on