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 are...


In credit terms, Underwriters are the people who subjectively assess your application. They will examine the risk involved with lending to you, and whether they are willing to accept this level of risk before accepting or declining your credit application.

Much of their focus is on establishing your creditworthiness, which can be gained by examining your Credit Report. For this reason, the information on your Credit Report is crucial to the outcome of your credit applications.

How do I see the information that Underwriters will look at?

You can see the information that Underwriters will see by checking your Credit Report for yourself. checkmyfile makes this process quick and easy by collating your information from Equifax, Experian, TransUnion, and Crediva all on the same, easy-to-use platform.

You can view your Multi Agency Credit Report free for 30 days, then just £14.99 per month, which you can cancel online at any time.

Your Credit Report is a detailed record of your financial position, showing your credit history, people you’re financially associated with, your court records, and much more. The information on your Credit Report has a direct impact on your creditworthiness, so it’s worth ensuring that yours accurately represents your financial standing before applying for finance.

How do Underwriters assess my affordability?

Underwriters check your regular monthly outgoings compared to your income and assess whether they deem it likely you will be able to afford to make their repayments on top of your other commitments. Mortgage applications often ask for more detailed information than most loan or finance applications, with expenditures such as fuel and food costs often needing to be estimated as well.

Mortgage underwriters will often ‘stress test’ your income as well, meaning they want to make sure you’ll have enough money left after paying your mortgage to cope with any unforeseen circumstances that aren’t usually factored into monthly bills.

It’s worth noting that creditworthiness and affordability are two separate factors that are assessed by Underwriters when you apply for credit. We’ve discussed the difference between the two in this article.

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