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.

Bureau Score

What is a bureau score?

A Bureau Score is a credit score which is calculated only upon the information held at a Credit Reference Agency. Another term for a Credit Reference Agency is a ‘Credit Bureau’, and this is where the name comes from.

Typically, the information used to calculate the Bureau Score is limited to public data – namely electoral roll, insolvency and judgment information only.

Bureau Scores are used mostly by new lenders to the financial marketplace, who do not have a large sample of established accounts to use to come up with their own scoring criteria. They are also used by the relatively small number of lenders who are not members of data sharing clubs such as Experian’s CAIS or Equifax’s Insight. Some established lenders also use Bureau Scores to add weight to their own internal risk assessment systems.

The scores themselves are not so powerful at being able to distinguish between potentially good or bad accounts, as a credit score that has been developed from a large sample of accounts, but Bureau Scores can be more powerful than subjective judgement (i.e. a credit professional assessing an application manually).


Q: Can I see my bureau score?

A: No, it isn’t publicly visible. However the score on its own isn’t particularly useful as it only takes into account public information on you, which is available to view on your credit file.

You can however see the information that makes up your score by checking your credit report. This will give you the best indication of how likely you are to be accepted for credit by a lender. If you haven’t already, you can try checkmyfile FREE for 30 days , then for just £14.99 a month afterwards, which you can cancel at any time online.

Jargon Buster

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