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

Articles Published by barry stamp

Barry is a Chartered Banker and a Fellow of the Institute of Credit Management. He has a degree in Statistics and Business Economics from the Open University. Barry writes mostly on news from the worlds of banking and mortgages. Barry is Managing Director at checkmyfile.

Signs of relaxation in the UK mortgage market

Figures released by UKFinance.org have revealed that, UK wide, mortgages for home-movers grew 1.8% in volume and 5.4% in value between September 2018 and 2019. Similarly, first-time buyers enjoyed more mortgage opportunity with lending growing 1.6% in volume and 5.0% in value.

Published on 30 Dec 2019 by Barry Stamp

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Age matters when it comes to your credit score

Credit Action, the National Money Education Charity, scares everyone witless every month with unnerving financial statistics. A few examples include the fact that a property is repossessed every hour and 43 minutes, that every four minutes someone is declared insolvent, and that the Citizens’ Advice Bureau deals with 2,595 new cases every day. In its October 2019 statistics, the charity advised that average household debt is a mere £59,441 including mortgages. According to the BBC, the stat without mortgages has risen sharply to £15,385.

Published on 5 Dec 2019 by Barry Stamp

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Employment vetting

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.

Published on 21 Nov 2019 by Barry Stamp

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Does paying off a judgment help a credit rating

One of the most frequent questions we receive is whether paying off a County Court Judgment (CCJ), or a Decree – its Scottish equivalent – improves a Credit Score. To help answer this, we’ve put together a summary of what CCJs are and what they mean for you.

Published on 21 Nov 2019 by Barry Stamp

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Is there discrimination in credit assessment?

Apple could find itself in hot water in the US after a weekend of high-profile claims that applicants to its recently launched Credit Card were discriminated against on the basis of gender.

Published on 11 Nov 2019 by Barry Stamp

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Tesco Online Grocery List Disappears

After well over 10 years of using Tesco’s online grocery service, all of sudden, all of my Tesco order history has disappeared, alongside all the information stored in My Favourites – purchases made in-store and online over the past 13 months, My Usuals, and My Shopping Lists.

Published on 9 Oct 2018 by Barry Stamp

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Can you go to prison for debt

The short answer is: yes, you can go to prison for debt, but only if you fail to pay your council tax, any magistrates fines, TV license or fees relating to a motoring offense, and even then there are plenty of methods that are usually tried before a prison sentence is carried out.

Published on 22 Aug 2018 by Barry Stamp

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Dealing with debt collectors

Don’t think for a moment that you’ll never see a debt collector in your lifetime. Even if you have a sparklingly brilliant credit file, you could find yourselves facing a doorstep collector.

Published on 19 Feb 2018 by Barry Stamp

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Update your credit reports when you want

If you’re an active checkmyfile subscriber you can update your Credit Report as soon as a new one is ready by using the update button which appears at the top of your browser window when you log into checkmyfile.

Published on 4 Jan 2018 by Barry Stamp

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Blacklists - Ten things you probably didn't know

1. Blacklists are not unlawful. No lender is compelled by law to give credit or to give any reason when declining credit. Each may consult several sources of information before making a decision, including any form of list that may exist. Any list containing personal data is automatically regulated by the Data Protection Act 1998.

Published on 9 Oct 2017 by Barry Stamp

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