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 Ben Tumilty - 4th August 2014

Pensioners To Be Eligible For Free Financial Guidance

Some of the bigger UK insurers will be unable to provide the government’s free financial guidance to millions of pension customers, under new plans due to be implemented in April 2015. In March’s Budget, the Government stated that consumers would be able to receive free advice on how to manage their pensions and finances, and this announcement gives more specifics on the service.

The financial advice will be given by independent organisations such as the Money Advice Service (MAS) The Pensions Advisory Service (TPAS), as opposed to some of the larger pension providers. These providers argued that they would be able to provide excellent in-house advice, however the government has decided that the advice would be better served coming from companies without a vested interest in selling a financial product to customers.

Chancellor George Osborne appears to be content with the changes to pensions advice and guidance, saying, "It's right to support hard-working people that have taken the long-term decision to save for their future, and I'm pleased that the responses we had to our proposals on making pensions more flexible have been overwhelmingly positive.

"We're making sure that people have the right support to make their own choice about how best to finance their retirement and I'm pleased to confirm that everyone with defined contribution pension savings reaching pension age will get free and impartial guidance on their range of available choices at retirement”.

Osborne’s implementations have been backed by Ros Altmann of pensionsandsavings.com, who believes that the changes will make pensions a much more popular option, and will encourage people to save for retirement and seek pensions and financial advice.

Not all comments have been positive, though. Tom McPhail at Hargreaves Lansdown feels that the advice will be “pretty superficial”, as opposed to “a deep and interactive process that gives you very personalised advice”. Malcolm McLean of Barnett Waddingham suggests that the new implementations will add confusion to an already complex system. He says, “It is still not completely clear how this will work in practice and what the interfaces and overlaps might be with providers and fully qualified financial advisers”.

According to Barclays, the annual amount required to earn a modest yet comfortable retirement is £17,500. Unfortunately, the average expected retirement income is only £15,800 per annum. With this in mind, free financial advice would be most welcome for those heading into retirement, already retired, or those just looking to the future. The question is whether the advice would be incisive and accurate enough on which to base your financial future – can you really get something for nothing?

The UK's First Provider Of Online Credit Reports

Launched 21 Years, 35 Million Credit Scores & 8 Million Credit Reports Ago

The UK's First Provider Of Online Credit Reports

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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