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.

CREDIT REPORT SERVICES AND ONLINE EXPERT HELP ARE FULLY OPERATIONAL - PHONE LINES ARE CLOSEDCOVID-19 STATUS

ONLINE SERVICES FULLY OPERATIONAL
PHONE LINES ARE CLOSEDCOVID-19 STATUS

Court Information

What is Court Information?

In a credit context, Court Information refers to the publicly-available information held on you or in some cases, people with whom you share your name that may be assumed to be you.

The most common forms of Court Information are County Court Judgments (CCJs), High Court Judgments (HCJs) for larger debts, and in Scotland, Decrees .

Where present, Court Information remains on your credit report for six years from the date of the judgment, whether satisfied or not. It is one of the several types of adverse credit information which will severely affect the ability to get credit, reducing credit scores and ratings significantly.

As a generic term, Court Information relates to all types of money judgments and sometimes also insolvencies which appear on your credit report.


Q: How does it affect my credit file?

A: Court information counts as ‘public information’ on your credit report, which can be seen by landlords and employers that carry out enquiry searches, as well as any potential lenders. Even if the person viewing your Credit Report cannot see any of your credit history, which is true of landlords and employers, seeing a court judgment on a credit file is indicative of potentially serious money problems.

Q: What court information can I see on my credit file?

A: Your checkmyfile credit report will show you the dates of any judgments issued, whether it is active or satisfied, the type and amount of the judgment issued, whether the judgment was disputed, how long before the judgment is removed and which Credit Reference Agencies are reporting the information.

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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