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.

Article by Paul Anderson Riley - 22nd May 2018

Protecting yourself against identity theft online

Modern day fraudsters are now able to use the internet as a helpful tool to acquire a vast amount of information about an individual just from using their name. From this, they start to build a portfolio of data that they can then use to obtain credit, bank accounts and sign up for other services. By following a few simple steps you can help to reduce the risk of being exposed to a fraudster online.

Be careful opening emails

Do not open or click within any unsolicited or unrecognisable emails, these are often phishing scams that disguise themselves in many different ways, for example; competition-winner emails, government correspondence or bank provider messages. These will encourage you to click on links that download viruses or software that help the fraudster to obtain secure information. If you are unsure if an email is official or not, contact the organisation involved and ask them to verify this.

Don't give away too much on social media

Social media is also a medium that a fraudster can use to obtain personal information. Your social media profile is likely to include a plethora of personal data that would assist identity theft and fraud. To avoid this make sure your profile is either set to private and/or avoid giving too much personal data away.

Some social media sites still give users the option to publicly share phone numbers, email addresses and their date of birth in their bio, as well as list information about which schools they attended. Short of their mother's maiden name, it's an almost complete set of answers to commonly asked security questions.

The recently added Facebook Marketplace has become a popular platform to buy and sell unwanted items, but be careful who you're giving your address out to, as this along with the information on your profile can amount to a lot of your personal information being available to strangers.

Even your car could be giving away information

Even something as simple as posting pictures of your car online can lead to exposure. Car number plate information can be used to gain access to DVLA records and addresses, which combined with the type of car you drive can give plenty of clues to your financial status. It is also important to regularly check your post to make sure you are receiving the expected amount. Some fraudsters may still try to intercept post to gain access to bank statements. By going paperless and accessing statements online you can potentially avoid these altercations.

Richard Lloyd of the Consumer Association Which? says “With ID theft on the rise, consumers should be extra careful about the information they share online. Unfortunately, you can still become a victim of fraud even if you have been vigilant...”

Check your credit report regularly

Checking your Credit Report will allow you to see what information is currently being reported about you whether it be genuine or fraudulent. You will be able to see what accounts have been reported in your name, the addresses these are registered at and any credit applications that have been made recently. By continuously monitoring a credit report alongside your bank account this will help you to highlight fraudulent activity.

If you haven't already, you can try checkmyfile free for 30 days, then for just £14.99 a month afterwards, which you can cancel at any time.

The UK's First Provider Of Online Credit Reports

Launched 21 Years, 35 Million Credit Scores & 8 Million Credit Reports Ago

The UK's First Provider Of Online Credit Reports

Article by Paul Anderson-Riley

16th September 2020

How To Download And Print Your Credit Report

There are several different reasons you might need to print or share a copy of your Credit Report, such as assisting a mortgage advisor during an application, showing a specific entry to a lender, or even just to keep a physical copy for your personal records.

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Article by Tom Magor

24th January 2020

Am I On The Electoral Roll? How To Find Out

With the recent conclusion of the Electoral Register’s annual update, it’s vital that you ensure your Electoral Roll information has been added correctly to your Credit Report.

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Article by Jamie Mackenzie Smith

7th November 2019

Do I Have a CCJ? How To Find Out

If you have a County Court Judgment (CCJ) in your name, it can have a serious impact on your Credit Score and ability to borrow for the entire time it is active, as well as potentially affect the outcome of the checks carried out by prospective employers, landlords and insurers.

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