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.

What is...


In a credit context, an Adjudication usually refers to the ruling of a judge to bankrupt or issue a judgment against a debtor. If a judge rules that you are to be made bankrupt or have a judgment issued against you, the specific entry will appear on your Credit Report as a harmful marker.

Upon Adjudication resulting in a CCJ, the information will be reported via Registry Trust to the Credit Reference Agencies, ensuring that it is displayed on your Credit Report.

How can I check my court records?

The only way to see your court records exactly as a prospective lender would see them is to check your Credit Report for yourself.

checkmyfile makes this process easier by collecting your data held by Equifax, Experian, TransUnion, and Crediva onto a single report.

You can view your Multi Agency Credit Report free for 30 days, then for just £14.99 per month. Cancel online easily at any time.

How will an Adjudication impact my Credit Rating?

The Adjudication itself won’t appear on your Credit Report, so it won’t affect your Credit Rating. That said, any subsequent bankruptcy or court judgment will appear on your Credit Report, causing significant damage to your creditworthiness.

Bankruptcies will remain on your Credit Report for six years, from the start date, and will only be removed once this time has passed if it has been marked as ‘Discharged’.

County Court Judgments will be removed from your Credit Report automatically after six years, regardless of whether the balance is subsequently satisfied or not.

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