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

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 and repayment history and has no bearing on your 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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What are address links and why are they on my file

At first the sheer amount of historic information held by Credit Reference Agencies can seem daunting when seen for the first time. This is certainly true for address links, which show all current and historic addresses recorded for you, 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 24 Mar 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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Under 30s increasingly committing misuse of facility fraud

Have you seen an advert recently on social media offering quick money? What about an advert that has some money-making scheme that seems too good to be true? Well, not only could it be a scam, you may also be committing a crime if you sign up for them.

Published on 13 Dec 2016 by George Coburn

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Know your rights when electrical goods don't work

Consumers are being urged by the Citizens Advice Bureau to brush up on their rights when it comes to purchasing electrical goods that turn out to be faulty. The charity warns that too many people are being denied their rights by companies, who refuse to repair or refund, leaving them out of pocket with items that don’t operate as intended.

Published on 1 Dec 2016 by George Coburn

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