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

Full Payer

A Full payer is slang used by credit providers for someone who pays their credit card balance in full and on time each month. Though this is fairly widely-advised consumer behaviour, it is less profitable for the card providers which some see as reason enough not to offer credit in the future, so in some circumstances it can harm your Creditworthiness.

The opposite of a Full Payer is an Extended Credit Taker, who regularly pays interest on outstanding balances.


Q: Is being a full payer good for my credit history?

A: Yes, it will help you build a healthy credit history and overall score, but as mentioned above, it may still not help when it comes to applying for credit.

Q: Why does it affect my ability to apply for credit?

A: Different credit cards and mortgages will appeal to different demographics and some products are designed to be more profitable to lenders than others. That means even if you’ve got a spotless report, you might be declined if your circumstances aren’t exactly what they’re looking for.

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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