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 Ian Carpenter - 30th July 2018

Are Linked Addresses On Your Credit File A Bad Thing?

Your Credit Report can surprise you: it can include reference to an address you have long-forgotten about or sometimes even an address you have never heard of, which is one of the reasons it’s important to check in every now and then.

If you recognise all the addresses listed on your Credit Report when you check it and have previously lived or held accounts there, you’ve got nothing to worry about. In fact, even if there are addresses that don’t immediately jog your memory - shown as ‘linked addresses’ – you still don’t need to panic.

What are linked addresses?

Address links are simply a historical record of when a lender has reported a change of address to Credit Reference Agencies. Unlike payment history, they will remain on your credit file indefinitely if they are correct. If not, you can apply to have them removed.

The presence of address links doesn’t suggest to other lenders that there is currently active information at that address, although it doesn’t rule out the possibility either – it’s simply making other lenders aware that information relating to you has been found there.

How do they affect my ability to get credit?

Linked addresses on their own don’t affect your ability to get credit, but if you have debt at a previous address that has gone unpaid, this could limit the number of lenders willing to offer you credit.

Your Credit Rating is not affected by your address or a former address, or the area that the address is in, so an address on your Credit Report should not impact your Creditworthiness in the slightest.

What if I don’t recognise an address on my Credit Report?

Unknown address links can sometimes be an indication of identity fraud, but more typically result from administrative errors by lenders when sharing account information – these mistakes can normally be removed by contacting the lender directly.

How can I see my linked addresses?

checkmyfile’s Multi Agency Credit Report will let you see any address links on your report based on data from four Credit Reference Agencies, making it the most detailed Credit Report in the UK. Our unique service also provides you with specific advice on resolving address link issues, should you need it.

You can try checkmyfile completely free for 30 days, then for just £14.99 per month if you choose to subscribe. There’s no obligation, and you can cancel at any time.

Updated 30/07/2018 by Jamie Mackenzie Smith

The UK's First Provider Of Online Credit Reports

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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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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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