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.

Open Banking

What is Open Banking?

Open Banking is an online-focused initiative supported by a number of large banks, building societies and FinTech startup companies which aims to make it easier to share your data with relevant parties.

Launched on the 13th of January 2018, alongside the Second Payment Services Directive (PSD2), Open Banking has seen a relatively slow start in terms of new innovative ideas coming to the market.

The backbone of the system is its reliance on the principles of Data Sharing, which makes it similar to the way lenders and Credit Reference Agencies use your information.

For it to work, both your bank and the service you want to share your personal information with need to be adopters of the platform, which in itself is partly responsible for its slow adoption.

Q: Is Open Banking compulsory?

A: No – you are free to opt into or opt out of Open Banking at any time. No one is automatically opted in by default, you need to first give your permission before your information can be shared.

Q: What are the advantages?

A: From a consumer point of view, Open Banking makes transactions that require access to your financial details simpler. Rather than having to provide a lender with all the required information yourself, you should in theory be able to click a couple of buttons to share your information as it appears with your bank with the right service.

The platform also promises to make it easier to see competitive pricing so you can shop around for the best prices


Jargon Buster

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