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 a...

Basic Bank Account

A Basic Bank Account is a current account without any additional features. They are considered the bare minimum when it comes to bank accounts. They allow you to deposit and withdraw funds, as well as schedule regular payments from the account.

Will my Basic Bank Account appear on my Credit Report?

As your Credit Report is a record of your credit agreements, it is unlikely that a Basic Bank Account will appear. Instead, you’ll be able to see your credit accounts, their balances and status, as well as your financial associations, court records, and much more.

A Current Account will only usually show on your Credit Report if it includes a credit facility, such as an overdraft. The decision to share an account with the Credit Reference Agencies lies with the relevant bank, so you may wish to contact yours directly to query their reporting practices.

checkmyfile shows your Credit Report information from Equifax, Experian, TransUnion, and Crediva on the same, easy-to-use platform.

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

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

Related Jargon