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

Are football clubs exploiting their fans

Posted by Sam Twyford in Personal Finance on 8 January 2018 - Sam is a Product Manager at checkmyfile

With Premier League teams under huge pressure to remain in the top flight of English football, the amount lavished on transfer fees and player wages have soared in recent years.

Despite multi-billion-pound broadcasting deals that leap in value every few years, the need for clubs to maximise revenue wherever possible has seen the cost of actually attending games reach eye-watering levels in some cases.

Thankfully, it does seem that clubs are starting to remember that football without fans is just a game, not an industry.

The most recent BBC Price of Football study found that over 80% of Premier League tickets either being frozen in price or reduced for the 2017/18 season, reaching their lowest levels since 2013.

There’s a huge amount of variation in price depending on your team (Huddersfield offer the cheapest season ticket at £100, while Arsenal’s most affordable is still one of the league’s most expensive at £891), but no matter how you look at it, it’s a large chunk of money to part with in one go.

That said, the cost doesn’t (yet) seem to be harming season ticket take-up. A number of clubs, including Arsenal, West Ham Liverpool and Man Utd (where an estimated 75,000 people are in the queue) have waiting lists.

Given the large up-front cost of a season ticket, many clubs offer payment plans, allowing fans to spread the cost over a number of months. This doesn’t come cheap though. Finance ‘partners’ such as Zebra (working with teams like Arsenal and Southampton) or V12 (West Ham and Spurs) charge interest of around 6-8%.

Financing for season tickets

For that reason, it’s not uncommon for people to turn to a credit card to help pay for a season ticket. This lets people pay off their ticket at a speed that suits them, especially if using a new card that has an introductory 0% rate. By clearing the debt within the 0% period, you won’t have to pay a penny in interest compared with that of the finance offered by official club finance partners. This saving could go a long way especially if prices start to rise again for the 2018/19 season.

In both cases – either through an official season ticket payment plan, or a credit card, you’ll face a credit check when you apply. Any negative information, and you could see your chances of attending home games scuppered, especially if you’ve left it to the last minute to apply.

To see how you’re likely to fare and to avoid any nasty surprises, you can see what lenders and make sure that your credit report is free of errors with checkmyfile. You can try it free for the first 30 days and then costs £14.99 per month until you cancel, which you can do at any time online, or by phone or email.

Updated 08/01/18 by Richard Catlin

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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

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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

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Child maintenance court records to show on your credit report

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.

Published on 20 Jan 2020 by Kirstie Brown

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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

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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

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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

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