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.

Enquiry Search

What is an enquiry search (Soft Search)?

An Enquiry Search (also known as a Soft Search) is carried out on your Credit File when you or someone you have given permission to wants to check your Credit Report. They are commonly carried out by landlords, employers or companies that need to verify your details (such as insurance providers) and as such they only show publicly-available data, not your credit agreements or repayment history.

When you check your Credit Report, you will have full access to all of your data, but it still counts as an enquiry search, not an Application Search. That means you can check your own Credit Report as many times as you like without having to worry about harming your credit score or triggering a fraud warning.

Each time a Soft Search is carried out on your file, it leaves a Search Footprint, which will remain visible to you for 12 months from the date of entry. Only you can see Soft Searches on your report.

Q: What does it show?

A: An enquiry search will allow searchers to see your public information, including your address history, whether you are on the Electoral Roll and if you have a CCJ or Insolvency in your name. Actual credit information will not be shown as part of this check.

Q: How do they appear on my Credit Report?

A: You can see all searches carried out on your Credit File by clicking the Searches tab at the top of your checkmyfile Credit Report. If you haven’t already, you can try checkmyfile free for 30 days and then for just £14.99 a month afterwards, which you can cancel online at any time.

Jargon Buster

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