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

Delinquent Account

What is a Delinquent Account?

A Delinquent Account is a term used to describe a customer with sustained arrears of 2 months or more. Similarly, the customer may be deemed Delinquent in credit slang.

It is also similar, but not quite as severe as having Sub-Prime Credit or Adverse Credit history, the main difference being that those refer specifically to borrowers with a history of severe negative payment information such as Defaults or CCJs.


Q: Do I have a Delinquent Account?

A: You may not be told as such in as many words, but lenders may view your account as Delinquent if you've accumulated arrears, which you almost certainly would have been notified about by the lender in an attempt to reclaim the money owed.

To see how your payment history has been reported, or to view the current status of all your credit agreements, you can try checkmyfile FREE for 30 days then for just £14.99 a month afterwards, which you can cancel online at any time. You'll get complete access to the UK's most detailed Credit Report, with data from four Credit Reference Agencies, not just one.

Jargon Buster

Use the links below and the resulting list of terms on the right to locate the term you are looking for. If you can't locate it, please get in touch.

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