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.



Can you ‘credit repair’ your credit report

Posted by Sophie Regester in Credit Reports on 23 February 2017 - Sophie is a Senior Credit Analyst at checkmyfile.

We no doubt all reach that point where we take a serious turn in our lives and we hope that youthful indiscretions can be left behind. This turning point may come when we develop a career path, look to make our financial situation more secure or decide to start a family. Part of these lifestyle changes may include budgeting or making a large purchase such as a car or a home, but invariably money will often be an important part of these plans.

Unfortunately these plans often require a good credit file, so if you haven’t been as careful in the past as you intend to be going forward, you may find that it will require some work before you are eligible for acceptance on a new car or a mortgage.

Whilst you may see this phrase being advertised, there isn’t really such a thing as ‘credit repair’. Once information is on your file it remains reported for a set period of time, unless it has been recorded in error. There are plenty of myths floating around, dangling carrots of hope that all previous financial indiscretions can be wiped clean, but myths are all they are.

That being said, if there is anything on your credit file hurting your score that you believe is incorrect, you have every right to dispute this. If the record is incorrect, it can be amended or removed as appropriate.

When raising a dispute concerning incorrect information, the first port of call should be the lender reporting the account, as it is the source of the information. It should be able to update your records and notify the credit reference agencies of the change in the quickest time frame - usually 4-6 weeks.

If you have followed the lender’s complaints procedure and still had no luck in having the record changed you can then raise a dispute with the credit reference agencies. It is worth remembering though that if a lender refuses to make the requested change, the agencies themselves will not be able to overturn this. The next step in challenging incorrect information uses your right to raise a complaint with the relevant ombudsman or regulator, who will be able to investigate impartially.

If you have negative information on your credit file, but accept that this record is accurate, credit account history will remain reported for up to six years from the account closure date. CCJ’s will remain reported for six years regardless of whether they are settled or not - unless they are paid within one calendar month - in which case they can be fully removed from your credit file. Insolvencies such as bankruptcy and IVA’s will be reported indefinitely as long as they remain active, or for six years from the date of insolvency if they are discharged.

In order to ensure you are best placed to make a credit application following the removal of any negative information, it's important to keep a close eye on how you manage other existing credit agreements and other elements of your file. Keep all credit accounts up to date and register on the Electoral Roll - this will ensure that you build up a positive history.

This is the best long term plan to improve your score but there is no quick fix short term answer unfortunately. It’s called a credit history for a reason - it takes time.

Check Your Credit Report Today

30 Day Free Trial

How to separate your Credit Report from an ex-partner

Separating your Credit Report from an ex-partner or spouse is easier than most people initially think. You might be wondering exactly how another person ends up recorded on your Credit Report, whether they are damaging your Credit Score, and if there’s anything you can do to remove them.

Published on 8 Apr 2020 by Sam Griffin

Full Article

How Your Phone Contract Affects Your Credit Report

Some people only really consider their Credit Report and the information it contains when they’re about to apply for a traditional form of borrowing, such as a credit card, loan or mortgage. That's why for some it can come as a bit of a surprise to learn that many of the same checks are involved when attempting to take out a mobile phone contract.

Published on 6 Apr 2020 by Tom Magor

Full Article

Guide to Financial Associations

It's not uncommon for someone checking their Credit Report for the first time to notice information that’s out of date or simply inaccurate – but by far one of the most frequent offenders for this is the record of a Financial Association.

Published on 24 Mar 2020 by Sam Griffin

Full Article

Can Right to Erasure Get Rid of Bad Credit History?

General Data Protection Regulation (GDPR) was introduced on 25 May 2018 and, unless you’ve managed to avoid the internet and checking your emails completely since then, you’re likely to have been bombarded with messages from nervous sounding websites updating their privacy policies.

Published on 5 Mar 2020 by Jamie Mackenzie Smith

Full Article

Will checking my credit report affect my credit score

Does checking your Credit Report lower your Credit Score? This a question we’re regularly asked, especially as the importance of Credit Reports is becoming more widely understood. The question seems to be based on a simple idea: when someone else checks your Credit Report, it damages your Credit Score, so it must also be true when you check it yourself. Thankfully, this is far from the truth.

Published on 26 Feb 2020 by Kelly Luff

Full Article

How to remove Financial Associations

A Financial Association is another individual with whom you’ve had some financial connection – usually a spouse or partner or family member. Once a Financial Association has been created, it will remain on your Credit Report indefinitely, until you manually request to have it taken off.

Published on 24 Feb 2020 by Sam Griffin

Full Article

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

Full Article

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

Full Article

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

Full Article

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

Full Article


We are rated number 1 for customer service on