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.

Who are the...

Credit Reference Agencies

The main four UK Credit Reference Agencies are Equifax, Experian, TransUnion, and Crediva. They report both public and credit-related information about individuals, from a variety of sources. This information (known as your Credit Report) will be provided to prospective lenders, landlords and employers upon request to help them verify your identity and, in the case of lending, determine your creditworthiness and likelihood of defaulting on payments.

As the Credit Reference Agencies are separate organisations, they record and update information independently from one another. As such, your information at each agency will likely be different, meaning you have four separate Credit Reports – one from each agency.

How do I see the information that the Credit Reference Agencies hold about me?

checkmyfile is the only service to collate your Credit Report information from all four agencies, letting you quickly and easily see everything that the agencies hold.

You can try checkmyfile free for 30 days, then for just £14.99 a month. Cancel easily online at any time.

The Credit Reference Agencies’ addresses are listed below:

TransUnion Limited (formerly Callcredit), Consumer Services Team, PO Box 491, Leeds LS3 1WZ

Crediva Limited, Customer Services, Global Reach, Dunleavy Drive, Cardiff CF11 0SN

Equifax Limited, Customer Service Centre, PO Box 10036, Leicester, LE3 4FS

Experian Limited, Customer Support Centre, PO Box 8000, Nottingham, NG80 7WF

Where do the Credit Reference Agencies get their information?

Credit Reference Agencies get their information from numerous sources, including payment data from lenders and publicly available information, such as the Electoral Roll and court records, from local councils and the Registry Trust. This information collectively makes up your Credit Report.

When you consent to a credit check, your Credit Report data is then shared with the lender using the principles of reciprocity, which encourages the responsible use of data to prevent identity theft, fraud and money laundering while reducing the likelihood of lenders losing money as a result of defaulted payments.

What information do they hold?

The information held by Credit Reference Agencies covers a wide range of details that can help establish your identity and the health of your credit history. This includes (but is not limited to) your name, any loans or credit accounts in your name, Financial Associations, defaults, Electoral Roll listing and judgments against your name.

Can anyone else can see my information?

No. Unless they have your permission to do so, no one can access the information found on your Credit Report.

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

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