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...

Delinquent Account

A Delinquent Account refers to an adverse credit agreement, usually with at least two months’ arrears (consecutive missed payments). Similarly, the customer themselves may be referred to as ‘delinquent’ in credit slang.

How do I know whether I’ve got a Delinquent Account?

While your Credit Report may not specify whether an account is ‘Delinquent’ or not, if an account on your Credit Report is considered delinquent, it will be recorded with an adverse payment marker, such as arrears or a default. You can check the status of your credit accounts by viewing your Credit Report for yourself.

Our Multi Agency Credit Report is the most detailed in the UK, gathering your information from Equifax, Experian, TransUnion, and Crediva, ensuring you don’t miss something important.

You can try checkmyfile free for 30 days, and then for just £14.99 per month. Cancel online anytime.

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The UK's First Provider Of Online Credit Reports

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