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.

Rent Reporting

What Is Rent Reporting?

Rent Reporting refers to a scheme that informs Credit Reference Agencies whether a tenant has paid their rent on time. They are an initiative developed to help would-be homeowners build up their credit history, as until recently rent payments were completely unreported in the UK.

There are a couple of different ways rent can be reported: some landlords may already be signed up to a scheme, so all you need to do is pay your rent on time every month and this will be reflected on your report. Alternatively, if a landlord is not signed up, some services allow you to pay your rent to them, they will inform Credit Reference Agencies and the rent is then passed on to your landlord.

There are several businesses in the UK that offer rent reporting services, but all require your landlord’s permission beforehand.

Missed and late payments are also reported to Credit Reference Agencies, so your credit rating can be harmed if you do not keep up with rent. Some platforms also allow landlords to see this information if they agree to share rental data, giving the landlords a clearer idea of how reliable a tenant has been at making payments in the past.

At present, all platforms only report rental information to one Credit Reference Agency, meaning that if you apply for credit with a lender that uses a different bureau, your rent payments will not appear on your file.

Q: Is my rent automatically reported to Credit Reference Agencies?

A: Not unless your landlord has enrolled in one of the schemes. If they are not, rent paid will not be reflected on your credit report.

Q: How can I check if my rent is being reported?

A: If rent payments are being reported on your credit file, they will appear on your credit report.

By checking your credit report with checkmyfile, you will be able to see your information from 4 Credit Reference Agencies, not just 1, letting you see what lenders see. If you haven’t already, you can try checkmyfile FREE for 30 days.

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