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

Public Information

What is Public Information?

In Credit Reporting terms, Public Information refers to the data that is taken from publicly-available sources.

This includes:

  • Your Electoral Roll Status
  • If you appear on any insolvency registers
  • If you have any active court judgments
  • Name and date of birth

This data is reported by all four UK Credit Reference Agencies, but checkmyfile’s Multi Agency Credit Report is the only service that allows you to see how each agency is reporting this information in one place.

Your Public Information is checked during most forms of credit check, including the ones carried out by prospective landlords or employers. In most cases, when an Enquiry Search is carried out, this is the only information they will see.

This information is also shown as part of the Application Searches commonly used by lenders, along with six years’ worth of credit history.

While credit history plays a large part in a lender’s assessment of your Creditworthiness, your Public Information is also an essential component, as it helps verify you are who you say you are.


Q: Where can I see my Public Information

A: The Insolvency register is free to view online and the electoral roll may be viewable at your local public library, but to view CCJ information you will need to use the Registry Trust. Alternatively, your public information is compiled and available to view on your Credit Report.

To see how your Public Information is reported to lenders by all four UK Credit Reference Agencies, you can try checkmyfile Free for 30 days, then for just £14.99 a month afterwards, which you can cancel online, by phone or by email.

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