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.



Articles Published by ben tumilty

Ben has a degree in French from the University of Hull and has spent some time working in hotels in France. He is also keen on cricket, and runs a blog focusing on the sport, and also contributes to an online cricket website. Ben is a Credit Analyst at checkmyfile

Creditworthiness and Affordability – Which is Which

When reading the small print on most applications for credit, you’ve probably noticed two words regularly popping up: Creditworthiness and Affordability. Both of these measures are used by a vast majority of lenders when assessing your application, so understanding what each one means goes a long way to explaining why you may or may not be accepted for credit.

Published on 22 Feb 2019 by Ben Tumilty

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Credit card confusion for consumers

Credit cards. Most of us have one, and getting your first one can feel like a massive step. We all see the adverts as well – “12 month’s interest-free on purchases”, “36 month balance transfer”, “18.9% interest rate”. They also advise spending carefully and regularly checking our statements. But do we stop to think about what any of this means?

Published on 24 Jan 2017 by Ben Tumilty

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Final PPI claim deadline pushed back even further

Let’s be honest, we almost all know someone who has claimed for PPI. You may have even done it yourself. If you aren’t aware of anyone you know claiming for PPI, you would still know of its existence, as the adverts for claims firms seem to populate every TV channel and radio station with advertising space.

Published on 4 Jan 2017 by Ben Tumilty

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Yahoo’ve been hacked – Yahoo in largest ever reported data breach

In the last two years, we have already been alerted to data breaches at Three Mobile, Tesco Bank, TalkTalk, Morrison’s, Steam and Sage, amongst others. The scale of these hacker attacks have varied. But none have come close to the newest report.

Published on 16 Dec 2016 by Ben Tumilty

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Inflation balloons to its highest level in more than two years

The rate of inflation in the UK swelled to 1.2% in November – the biggest increase since October 2014. This is on the back of a massive rise in clothing prices, according to the Office for National Statistics (ONS).

Published on 15 Dec 2016 by Ben Tumilty

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Online retails rake in the cash as consumer spending spikes

So it’s fair to say that we spent a lot over Black Friday & the Cyber Weekend period. A bit like having a birthday but deciding to turn it into a birthday week (and then sometimes a birthday month), we went crazy as retailers shoved three weeks’ worth of funky deals down our throats.

Published on 8 Dec 2016 by Ben Tumilty

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How the other half live: are you in the dark over your partner’s finances

“What’s mine is yours, and yours is…not mine?” That is definitely not how the vows go. But according to financial services group Prudential, more than one in six of us admits that they have not told their partner how much they earn.

Published on 30 Nov 2016 by Ben Tumilty

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Consumer borrowing grows at its fastest pace in almost a decade

It’s beginning to look a lot like Christmas. Not weather-wise, though – instead, we’re spending more money on unsecured credit.

Published on 29 Nov 2016 by Ben Tumilty

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UK unemployment falls to its lowest in more than a decade

The three months to September saw UK unemployment figures hit an 11-year low of just 4.8%, based on statistics provided by the Office of National Statistics (ONS). This is down from 5.3% in the same period of 2015, and dropped 37,000 from the previous three months of the year.

Published on 16 Nov 2016 by Ben Tumilty

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Number of people going insolvent in England and Wales increases by almost a fifth

Personal insolvencies saw a 20% increase in the third quarter of this year compared to the same three months in 2015, based on data released from the Insolvency Service.

Published on 3 Nov 2016 by Ben Tumilty

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