Articles Published by george coburn

George has a BEd (Hons) degree in Primary Mathematics from Plymouth University, following which he worked as a Year 6 teacher and ICT co-ordinator. Prior to his degree, George gained valuable financial industry experience at AXA Sunlife and at Britannia Building Society. George is a Credit Analyst at checkmyfile

How Protective Registration Can Help You

One harsh truth about fraud is that, if you have fallen victim to one of the many fraud rings operating in the UK, it is possible that you’ll be targeted again.

Published on 8 Jan 2020 by George Coburn

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When information on your credit report is wrong

One of the main benefits of keeping track of your Credit Report is that you are able to monitor exactly how your accounts are being reported to potential lenders, mobile phone providers, and utility suppliers (to name just a few). Whether the account information is correct or not, these companies are increasingly relying solely on computers to interpret your Credit Report and, when there is incorrect information, consumers face the potential of being declined for everyone’s least favourite reason – computer says ‘no’.

Published on 3 Jan 2020 by George Coburn

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What are address links and why are they on my file

The sheer amount of historic information held by Credit Reference Agencies (CRAs) can seem daunting when seen for the first time. This is certainly true for address links, which show current and historic addresses, as well as additional addresses that lenders think may be linked to you. But you can rest easy, because they're nothing to fear.

Published on 31 Dec 2019 by George Coburn

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Can my ex impact on my credit score

One of the most common queries we receive at checkmyfile comes from customers who view their Credit Report and discover that they’re still financially associated with an ex-partner.

Published on 2 Aug 2018 by George Coburn

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How My Address Can Influence a Credit Check

Many people incorrectly assume that their Credit Score can be plagued by the previous occupants of your address. This, to quote Douglas Adams, is “a load of dingos’ kidneys” and your Credit Report should entirely reflect your credit history and public information, with no bearing whatsoever on your address or the home’s former tenants.

Published on 12 Jun 2018 by George Coburn

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Why Is My Loan Balance Wrong On My Credit Report?

One of the single most important pieces of information to appear on your credit file is the information relating to your credit agreements and how you repay them - with this information lenders can see your borrowing history across the last six years and use it to help them decide whether or not to offer you finance.

Published on 7 May 2018 by George Coburn

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Identity Fraud: What To Do If It Happens To You

Year on year, there has been a substantial rise in the number of identity fraud cases being reported to organisations such as Cifas, the UK’s fraud prevention service. It’s no real surprise when you consider the crime can be committed from the comfort of someone’s home without ever having to risk showing their face.

Published on 6 Feb 2018 by George Coburn

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Brits continuing to fall for HMRC and Apple gift card scam

At the face of it, it seems a bit odd that the company responsible for collecting taxes would request payment from individuals in the form of an Apple iTunes gift card, but according to Action Fraud, this scam has continued to be profitable for fraudsters. The scheme first came to light in May last year and Action Fraud have received hundreds of complaints since then.

Published on 30 Jan 2017 by George Coburn

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What could happen after a county court judgment is issued

Once a court judgment has been issued but the individual still refuses to pay the outstanding debt or come up with an agreement to clear it, the claimant has a number of legal remedies available to them through the court systems.

Published on 16 Jan 2017 by George Coburn

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Over 4.1million consumers benefiting from fee-free bank account

You’d assume that a bank account was a pretty standard thing for everyone to have, but government research conducted a few years ago found that many people didn’t have access to this seemingly vital service.

Published on 14 Dec 2016 by George Coburn

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