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.

What is a...

Scottish Decree

A Scottish Decree is a judgment issued in Scotland through the Sheriff`s Courts, legally recognising that a debt is due. They are the Scottish equivalent to County Court Judgments (CCJs) in England and Wales.

How do I check my court records?

Sheriff Courts share Decrees with the Registry Trust, which maintains the public register of judgments and Decrees in the UK. The Registry Trust in turn shares court records with the Credit Reference Agencies, thereby allowing any judgments or Decrees issued against you to appear on your Credit Report.

Our Multi Agency Credit Report shows you information from Equifax, Experian, TransUnion, and Crediva, ensuring you don’t miss anything important.

You can try checkmyfile free for 30 days, then for just £14.99 per month. Cancel online at any time.

How long will a Decree impact my Credit Report?

A Scottish Decree, like a CCJ, will remain on your Credit Report for six years from the original date of issue, regardless of whether the balance has been satisfied or not, and will be very damaging to your creditworthiness in the eyes of a lender.

Once a Decree has been paid, it should appear as ‘Satisfied’ on your Credit Report.

If a Decree has been issued in error, it can be ‘set aside’, meaning it will be removed from your Credit Report. If you have a query about your Decree, you should contact the issuing Sheriff Court directly.

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