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

Employment vetting

Posted by Barry Stamp in Credit Reports on 21 November 2019 - Barry is Managing Director at checkmyfile

The haunting memory of the 2008 financial crisis may be over a decade old, but its lessons haven’t been forgotten. Spawning the highest unemployment rates of the century so far, the collapsing economy forced employers to undertake extra measures to protect themselves against a repeat.

The good news is that UK unemployment is now down to 4% (according to Office for National Statistics), less than half the peak unemployment in 2011, which towered at 8.1%. The reactive measures adopted during the crisis seem to have proved their value and remain as necessary today as they did ten years ago.

Among these changes were strengthening employment checks, meaning the assessment of potential job candidates is now more rigorous than ever before.

What is checked when you apply for a job?

Shortlisted candidates should expect their publicly available information to be checked, including any available social media profiles. Their CVs will be critically appraised against job specifications.

They may expect to be set ‘assignments’ prior to interview to test their attitudes and reactions to moral dilemmas.

At interview, they may also expect to be set tests to ensure written and numeracy skills and PC skills, and sometimes psychometric testing too.

Nowadays the interview process may well include a telephone interview to see how the candidate ‘comes across’ through that medium.

Can your Credit Report be checked when you apply for a job?

Assuming a candidate passes all of these tests, it’s then increasingly likely that any job offer will be subject to a satisfactory credit check. In some jobs, such as in financial services, getting a clear credit check for employees is the law.

The credit check that employers undertake relates only to public information, and not the full Credit Report that is used by lenders. Publicly available Credit Report information includes any Electoral Roll listings and Court Records, such as County Court Judgments and Insolvencies. Actual payment history of credit cards, mobile phone accounts and suchlike are not permitted to be used for employment checking.

To make sure that your public information is in order and won’t make you fall at the very last hurdle, you can check your Multi Agency Credit Report with checkmyfile. It’s free for 30 days, then just £14.99 per month. You can cancel whenever you like, quickly and easily online, by email or by freephone.

Our Multi Agency Credit Report includes your public data from all four Credit Reference Agencies, which is exactly the information accessed by employers. Making sure that it is correct in every detail is a wise precaution for job seekers. At the same time, you’ll also see what lenders see and get an idea of how you’ll be judged if you apply for credit.

Updated on 21/11/2019 by Sam Griffin

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

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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

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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.

Published on 24 Mar 2020 by Sam Griffin

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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

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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

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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

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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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