ARTICLES POSTED IN 'credit reports'

Why Does My Credit File Say I'm Dead?

For many people, it comes as a shock when they are informed that they are, regrettably, dead. In fact, it can be a downright inconvenience when you’re trying to apply for credit, but end up getting turned down because you’ve been accidentally listed on the Death Register.

Published on 11 Apr 2018 by Tom Blandford

Full Article

Will checking my credit report affect my credit score

Does checking your credit report affect your credit score? This is a question we are often asked, as more and more consumers regularly access their credit history to check for errors. This seems to be based on the popular misconception that search footprints damage your score, and as checking your credit file leaves a footprint, checking your report must harm your score. However, this is far from the truth.

Published on 5 Apr 2018 by Kelly Luff

Full Article

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

Full Article

How to Change Wrong Information on Your Credit Report

Making sure you have the right information on your credit report is essential, not just if you want to apply for any form of finance, but also because potential landlords and employers may want to check your information as well. But even if you think you’ve maintained a perfect credit history, the number of different sources of data that the UK’s four Credit Reference Agencies draw from leaves plenty of room for errors.

Published on 19 Mar 2018 by Katherine Cornell

Full Article

How long is your credit information really held for

When applying for credit, the majority of lenders will search for your credit files with the Credit Reference Agencies to determine whether they will be willing to lend to you. Any information obtained from the agencies can then be used in the lender’s evaluation of your creditworthiness.

Published on 15 Mar 2018 by Tom Blandford

Full Article

What Credit Searches Mean

One of the most commonly misunderstood aspects of credit files are the credit search footprints left on your report whenever someone accesses your file. One popular misconception is that ‘too many credit searches will put off potential lenders, but the truth is you’d have to make an alarmingly large number of applications for that to happen.

Published on 9 Mar 2018 by Kirstie Brown

Full Article

Arrangement to Pay markers

Have you seen an ‘AR’ mark on your credit file? Chances are you might glance at the letters and assume that they relate to payment arrears. However, on many credit file providers’ reports an ‘AR’ appearing on the payment history means an arrangement to pay has been recorded on the account.

Published on 20 Feb 2018 by Ben Ryland

Full Article

Credit search footprints left by comparison sites

If you’re one of the millions of people who use comparison websites to make sure you’re getting the most competitive insurance quotes, you might have noticed that every time you use a comparison site, you get an increased number of searches on your credit report.

Published on 16 Feb 2018 by Arron Dickens

Full Article

What doesn’t appear on your credit report?

People are often just as surprised at what isn’t reported on their credit file as what is. It can be a bit of a shock when they finally do come to check their report and find that a lot of their spending and earning has gone largely unheralded.

Published on 19 Jan 2018 by Tom Blandford

Full Article

How long it takes to update credit file information

Time is usually of the essence when applying for credit, so making sure your credit report is in good shape before the lender sees it can mean the difference between a quick and painless application and a lengthy, drawn-out process.

Published on 16 Jan 2018 by Jamie Mackenzie Smith

Full Article
keyboard_arrow_left

keyboard_arrow_right

We have loads of great customer reviews