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.

Article by Kelly Luff - 24th March 2017

Is A Credit Building Card A Good Idea?

A credit building credit card is most often used by people that are either looking to improve their credit rating or take out their first credit card.

Credit building cards give you access to credit when you have had problems with mainstream lenders and they can also help build your credit history, to ensure that the next card you get could well have a more competitive APR or an interest-free period.

While many people can understand why they may have difficulty getting a card from a provider like Halifax or American Express when they have a poor credit history, those who have never had need for credit often find themselves being rejected by this type of lender due to a sheer lack of information on their credit report.

Credit cards from providers such as Aqua, Marbles and Capital One offer you the opportunity to make purchases each month and build your repayment history, to show that you are able to make payments responsibly.

They do have much higher interest rates, to reflect the higher risk that the customer is perceived as being, so it is important to ensure that you are not simply spending up to the credit limit and then making minimum payments.

If you do use such a card, it can make sense to pay for something that you might be buying anyway, such as food or petrol. It can then be paid off each month using your normal budgeted income, so that you do not incur any interest payments.

When you initially get a card like this you’ll be likely to receive a low credit limit – around £200 is typical to begin with. This then tends to be increased once you have paid the balance on time for a number of months.

The most important thing about these cards is that they are there to demonstrate that you can use credit responsibly. You therefore need to make sure that you don’t exceed the credit limit, that you pay on time, and that you don’t spend money that you don’t have.

If you have had problems with debt in the past, the last thing you want to do is tempt yourself back into more debt, so be sure that you are going to be using this type of card for the right reasons before you apply.

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Article by Paul Anderson-Riley

16th September 2020

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.

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Article by Tom Magor

24th January 2020

Am I On The Electoral Roll? How To Find Out

With the recent conclusion of the Electoral Register’s annual update, it’s vital that you ensure your Electoral Roll information has been added correctly to your Credit Report.

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Article by Jamie Mackenzie Smith

7th November 2019

Do I Have a CCJ? How To Find Out

If you have a County Court Judgment (CCJ) in your name, it can have a serious impact on your Credit Score and ability to borrow for the entire time it is active, as well as potentially affect the outcome of the checks carried out by prospective employers, landlords and insurers.

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