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.

Gone Away Information Network (GAIN)

What is the Gone Away Information Network (GAIN)?

The Gone Away Information Network (GAIN) is a trade organisation that shares details of customers who have had statements and other correspondence returned undelivered by the Post Office, marked ‘gone away’.

Credit Reference Agencies and lenders who are members of this network share information on customers who have moved home and left behind a credit account, such as a credit card which is at least 30 days in arrears, without giving their lenders a forwarding address. This information can include both the address the customer has moved from and any address the customer has since been traced to. This information is only available to other organisations who are members of GAIN.

Credit Reference Agencies may be told about any other names you have been known by, or any financial associations you have had, such as joint county court judgments or joint accounts, and your file will show who gave them the information.

Q: How does it affect my credit file?

A: Having a GAIN marker on your credit file might make it more difficult to get credit because to lenders it looks like you’ve moved address to avoid past debts.

Q: How long will a GAIN marker appear on my Credit Report?

A: The information will stay on your Credit Report for six years unless you can prove that it was put there in error, in which case you can dispute the marker with the Credit Reference Agency reporting it.

Jargon Buster

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