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.

Geodemographic Data

What is Geodemographic Data?

Geodemographic Segmentation is a classification technique for discovering whether the individuals of a population fall into different groups by making comparisons of multiple characteristics with the assumption that the differences within any group should be less than the differences between groups.

Put simply, it looks at similarities and trends within specific areas and is able to act on assumptions based on these findings. For example, if a postcode is mainly occupied by people with Adverse Credit, a lender is more likely to advertise Credit Cards that are easier to get accepted for, but carry a higher APR than they would a 0% card which requires a strong credit history to get accepted for.

Most commonly this data is used by marketing people, but historically it was also used as a component of some credit scorecards.

The CAMEO Classifications is a set of consumer demographics that are used internationally by organisations as part of their sales, marketing and network planning strategies. CAMEO UK has been built at postcode level and classifies over 60 million British consumers. It has been built to accurately segment the British market into 57 distinct neighbourhood types and 10 key marketing segments. CAMEO was developed and is maintained by Eurodirect.

Q: Does it affect my ability to get credit?

A: Your ability to take out credit is not affected by your address, your neighbourhood or the borrowing history of anyone other than yourself (with the exception of Financial Associations). That means a lender cannot base their lending decision on where you live, but the area you live in could have an affect on the type of credit products that are advertised to you.

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.