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.

Impaired Credit

What is Impaired Credit?

Impaired Credit is a slang term for someone whose credit information has begun to show signs of trouble making repayments. It is usually used to describe people who have had healthy or reasonable credit pasts up to this point, but they have begun to indicate a trend that may make lenders less inclined to offer them credit.

The term can be used for either businesses or individuals and there is no set amount of money that needs to be owed or total of missed payment before you are deemed to have “Impaired Credit”. It is not the same thing as simply having a poor credit history, which is referred to as Adverse Credit.


Q: Will it appear on my credit report?

A: There is no Impaired Credit marker that appears on your report, but your Credit History will be visible to lenders, who may interpret the information on your file as Impaired Credit.

To see what lenders see, you can try checkmyfile FREE for 30 days, then for just £14.99 a month afterwards, which you can cancel online at any time.

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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