ARTICLES POSTED IN 'credit reports'

What the December 2019 election means for your Credit Report in 2020

The last few years have seen the UK perplexed by peculiar politics, with conversations dominated by polarising Brexit debates, Prime Ministers coming and going, and an increasingly tenuous state of Scotland. The only certainty seems to be the reliable and constant loom of total uncertainty.

Published on 13 Jan 2020 by Sam Griffin

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Arrangement to Pay markers

Have you seen an ‘AR’ mark on your Credit Report? Chances are you might glance at the letters and assume that they relate to payment arrears, but on Credit Reports an ‘AR’ appearing on the payment history means an Arrangement to Pay has been recorded on the account.

Published on 6 Jan 2020 by Ben Ryland

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How to Download and Print Your Credit Report

There are several different reasons you might need to print or share a copy of your Credit Report, such as assisting a mortgage advisor during an application, showing a specific entry to a lender, or even just to keep a physical copy for your personal records.

Published on 6 Jan 2020 by Paul Anderson-Riley

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How long is your credit information really held for

When applying for credit, most lenders will use the information held on your Credit Reports with the Credit Reference Agencies (CRAs) to determine whether they will be willing to lend to you. Any information obtained from the CRAs can then be used as part of the lender’s evaluation of your creditworthiness.

Published on 6 Jan 2020 by Tom Blandford

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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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Hang on…that credit account is not mine

What do you do when you check your Credit Report for the first time, expecting to see your own credit history, and you’re confronted with another person’s information?

Published on 31 Dec 2019 by Ben Ryland

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Santa’s Credit Report: The Untold Tragedy

Santa Claus is known world-wide as the merry gift giver, delivering joy wherever he goes. But have you ever stopped to wonder how the man behind the great, white beard manages his money? Just who is the real Santa?

Published on 9 Dec 2019 by Sam Griffin

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Address links: why and how

There’s a lot of talk around Credit Reports and whether the addresses contained within them can have an influence on your Credit Score. Perhaps having too many previous addresses is a bad thing or maybe attempting to have old ones removed is a good idea? Don’t fret because we’ll outline exactly what to expect when it comes to addresses.

Published on 4 Dec 2019 by Neil Greenhill

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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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