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 remove Financial Associations

Posted by Sam Griffin in Credit Reports on 24 February 2020

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.

Because of this, many people check their Credit Report and are greeted by outdated entries from years ago – ex partners, ex flatmates (where joint utilities were shared), even ex colleagues.

If you have a Financial Association included on your Credit Report, their information may be viewed alongside yours whenever you make an application for credit. This can be a good or bad thing, depending on the status of their Credit Report. Put simply, if they have a strong Credit Rating, they can help your applications while, if they have a poor Credit Rating, they may harm your chances of being accepted. Either way though, if the association is no longer applicable, you won’t want to risk it harming your own creditworthiness.

If you’re unsure who’s linked to you as a Financial Association, the first step is to check your Credit Report so you can find out. Our Multi Agency Credit Report is the most detailed in the UK, letting you see complete information from all four Credit Reference Agencies. You can then easily have the Financial Associations removed if they are no longer relevant. You can try us free for 30 days, then just £14.99 per month, which you can cancel quickly online at any point.

How to remove a Financial Association

  • Create or log into your checkmyfile account. You can then view your Multi Agency Credit Report, which includes any Financial Associations, and raise a dispute to have them taken off.
  • Once your report has been generated, click on the ‘View’ button next to the Financial Association you would like removed. Click on the small envelope icon that appears and follow the on-screen instructions to submit a disassociation request.
  • Once you’ve submitted the disassociation request, we will raise it as a dispute with the relevant Credit Reference Agency. As our service shows you information from all four Credit Reference Agencies, we can raise disputes with each one.
  • We’ll be back in touch once we receive a response from the relevant Credit Reference Agency. They have a statutory 28-day period to provide a response, but we will let you know as soon as we have an outcome.

You can then use checkmyfile to check that the change has been made at all relevant Credit Reference Agencies by refreshing your Multi Agency Credit Report.

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Published on 6 Apr 2020 by Tom Magor

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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.

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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

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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

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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

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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

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Your Rights When Cancelling a New Credit Agreement

For most people applying for credit the main concern is whether or not they will actually get accepted. But occasionally a change in circumstances (or even just a little time to reflect on your purchase) means that a bigger concern might be whether you can change your mind and withdraw from a credit agreement (be it a credit card, personal loan or other credit facility) after it’s been granted, potentially preventing you from taking on additional financial responsibility that you no longer want or need.

Published on 3 Feb 2020 by Tom Magor

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