Credit File Reporting

Many of the agencies also offer a free 30-day trial, after which you’ll have to pay a monthly subscription. So, if you don’t want to be charged, make sure you remember to cancel before the 30-day trial ends.

You should make sure that your personal details with each of the agencies are correct as even small errors can affect your rating. If you find a mistake, you should ask all the agencies to correct it. Make sure you’re not still part of any joint accounts or financial commitments from past relationships, like with …

No, it won’t. When you speak to us or a debt advisor, nobody needs to know. A debt advisor will only talk to your creditors if you ask them to. If we agree a payment arrangement with you or offer other support with your mortgage, we’ll tell you how this will affect your credit file. …

Information about your payment history, defaults or court judgments will stay on your credit file for six years. These details are always removed from your credit file after six years, even if the debt itself is still unpaid.

Your credit file (also known as credit history or credit record) is put together by credit reference agencies from information shared by lenders and other relevant public information. The credit references agencies use this information to calculate your credit score. There is no industry standard for credit scores, so each agency uses slightly different information …