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Thawte secure site - click to verify Back to top About us checkmyfile is the UK leading supplier of personal credit reports to consumers.

In March 2000, we were the first company in the UK to give consumers online access to credit reports. We were the first in the world to provide consumers with access to personal credit scores and credit ratings. Founded in 1999, Credit Reporting Agency Limited is a privately owned company, funded independently without reliance on any institution and with no link to any government agency. Full independence enables us to give impartial, unbiased and objective advice, helping you to take control of the information held about you. Currently, we have over 1.3 million registered customers. bill consolidation debt

We were the first to use credit scoring as a tool to help consumers find lenders matched to their credit ratings, helping consumers to find cheaper credit more easily and to reduce the risks of being declined. consolidation debt quote

checkmyfile is a trade mark of Credit Reporting Agency Limited, a private company registered in England, company number 3719598. Our registered office is at 13 High Cross, Truro, Cornwall, TR1 2AJ. Credit Reporting Agency Limited is a fully registered credit reference agency, notified with the Office of the Information Commissioner under the Data Protection Act 1998 and registered with the Office of Fair Trading under the Consumer Credit Act 1974. Our terms and conditions were originally approved by the Consumers Association under the Which Webtrader Scheme which checkmyfile operated under throughout the term of that scheme. consolidation debt lead

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In March 2000, we were the first to provide credit reports online to UK consumers - three years before any other company. consolidation debt home loan

With over 1.3 million customers and helping tens of thousands of people every day, we help people to understand the information held about them. Privately owned, we are totally independent and are UK market leaders. Copyright | Terms conditions | Advertise | Press pack | Become an affiliate | Privacy practices | Free surveys | Careers christian consolidation debt

Advertising with checkmyfile checkmyfile is the UK leading website for the provision of personal information to consumers. We were the first UK company to give both consumers and companies online access to consumer credit information, and the first to supply credit scores and credit ratings, totally free to UK consumers. Our registered customer base exceeds 1.3 million.

We currently serve well over 3 million page impressions per month and help more consumers to understand credit, credit scores and credit files than any other organisation in the UK. On a typical day we receive in excess of 25, 000 unique visitors. consolidation debt information

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checkmyfile Affiliate Program Because we earn from affiliate schemes ourselves, we know better than most about what makes a good affiliate scheme work, what you need and what you don need.

No matter what level of traffic you have, you can rest assured that if you pass a customer to us, we l treat your customers with care. (Just try ringing our 0800 number on our homepage no queues, no foreign call centres, just 100% customer service). Just as importantly, we l also pay you a great commission. consolidation debt refinance

And because we started out as a small company, we don do deals with major portals who will steal your customers before they even reach your site. Sounds good That just the start of it. By becoming an affiliate of checkmyfile, your customers will have access to the longest established and most comprehensive credit reporting service in the UK. No other company provides credit reports from all three agencies. Our prices start at just .95. We don offer zree trials based on breakage models used on US websites, just honest to goodness, cheap prices and independent, professional help for your customers. Don think for a minute that low prices means low commissions, the increase in volumes will speak for themselves. consolidation debt finance

We l provide you with all the usual banners, links and creative options. If you have any need for tailored content, we l provide it quickly, and for free. For every credit file sale generated from referrals from your website, we pay market leading commissions for our direct, whether a subscription has been purchased, or even for a single credit report or credit score sale. And because we accept payment by virtually every means possible, and not just by MasterCard or Visa credit card, the chances of your customer buying from us are that much higher. consolidation debt plan

Well over a million Britons face higher interest charges, or significantly reduce their chances of obtaining credit, simply because they are not signed up with their local Electoral Registration Office. consolidation debt personal

New research by credit information experts at checkmyfile.com has shown that 1.6 million* UK residents are not registered on the electoral roll. The electoral roll is used by lenders as one of the primary data sources for verifying the current residency and identity of consumers, when assessing credit applications. It is also used by credit reference agencies as the base record for credit files. consolidation debt management

The research compared the latest electoral roll statistics and population estimates, provided by the Office of National Statistics, and showed London, with more than half a million non-registered residents, as worst affected, followed by the South East and Yorkshire, with nearly 200, 000 and 150, 000 people not on the electoral roll, respectively. Nearly 150, 000 Scots, 200, 000 Northern Irish, and 40, 000 Welsh consumers have not registered with the electoral roll. consolidation debt secured

Previously the Electoral Commission estimated more than 3.7 million people across the UK failed to register to vote in 2000. This new research indicates that the figure may now be significantly less than six years ago, but never the less remains high. consolidation debt florida

Barry Stamp, Joint Managing Director of checkmyfile.com, the UK leading online provider of credit reports to consumers, says ost consumers are unaware of how important electoral roll registration is to their credit score the magic number that lenders use to determine whether a consumer credit application is acceptable, and increasingly, to decide what interest rate to charge. BR canada consolidation debt loan

ailing to register on the electoral roll can mean a lender cannot match a consumer with their credit file at the credit reference agencies. When that is the case, lenders will normally refuse an application rather than lend with no information to base a decision upon. Even when an applicant credit file can be traced, despite not being on the electoral roll, by reference to other lender records, their credit score is likely to be lower simply because the applicant is not registered on the electoral roll at the current address. Most lenders now grant credit using risk based analysis, and a lower credit score means a consumer can expect to be charged a higher rate of interest, he adds. consolidation debt nonprofit

An analysis of the electoral roll non-registration otspots reveals the local authority areas worst affected tend to have a larger non-white population, or large military camps within their administrative border. They also, often, have a afe political environment, where one political party has held a parliamentary seat, without any competition, for some time. consolidation debt reduction

Compared to the national average of 3.47% of population not being registered on the electoral roll, the top 10 local authority hotspots are: Kensington and Chelsea 35.4% Westminster 34.4% Forest Heath 24.2% City of London 21.8% Hammersmith and Fulham 19.5% Camden 18.3% Kingston upon Thames 17.2% Richmond upon Thames 17.0% Preston 16.8% Islington 15.9% Or, if determined by the number of persons not registered, rather than percentage: calculator card consolidation

Westminster 59, 501 Kensington and Chelsea 54, 016 Barnet 38, 017 Sheffield 34, 688 Camden 32, 353 Hammersmith and Fulham 28, 251 Newcastle upon Tyne 27, 068 Brent 26, 895 Bristol 26, 254 Leeds 24, 862 The credit reference agencies purchase the electoral roll annually from each of the 430 electoral registration offices across the UK. They update their version of the electoral roll within a few months of the October registration deadline and also purchase monthly updates from as many authorities as possible. consolidation debt unsecured

ur advice to consumers who have not registered is to do so straight away adds Stamp. nce the information is passed to the credit reference agencies, a credit file will be significantly improved. More importantly, the prospects for getting credit at a reasonable price improve with up to date information. consolidation debt free loan

*Checkmyfile.com research compared the latest local authority population estimates with the latest electoral roll registration statistics provided by the Office of National Statistics. The Times - heckmyfile.com offers the most exhaustive credit check and presents it in a very comprehensive way /i The Good Website Guide 2006 described checkmyfile.com as ery useful and informative. /i consolidation debt high loan

checkmyfile -credit check - Millions of Britons could face fines of up to, 500 if a national identity card scheme becomes law. Would you be one of them Email: Password: Password reminder Home Check your Credit Report Free Credit Score Find a Lender Debt Advice Centre Check your Postcode Free Identity Theft Check Millions of Britons could face fines of up to, 500 if a national identity card scheme becomes law. Would you be one of them

Millions of Britons could be stung by fines of up to, 500, if plans to make town hall officials olice the government proposed identity card scheme become law. A government consultation document has revealed ministers are considering imposing fines of up to, 500 for anybody who fails to register or keep their records up to date with a national identity card agency. Conservative e-government shadow minister, Oliver Heald, said local authorities could be made to investigate discrepancies between a new electronic electoral roll and the database to be used for the proposed ID card scheme. consolidation debt free help

his could mean that councils end up acting as the local olice for the ID card agency, and track down those who fail to inform the state of their new address or family circumstances, added Mr Heald. With more than 4 million UK residents believed to have failed to sign up with their local electoral registration office, the government could land a windfall of 0 billion in fines. The 2005 electoral roll has recently been updated by the credit reference agencies, which is used by the three companies to verify consumers identities. consolidation debt ohio

You can check your details have been updated correctly by purchasing your credit files online @ checkmyfile.com. If you are not on the credit reference agencies version of the electoral roll, or a mistake has been made in your entry, you could be refused credit by lenders, or face the prospect of paying hundreds of pounds extra in higher interest rates. Editor s Note Launched in 2000, checkmyfile.com is the UK first Internet based credit reference agency, aimed firmly at serving consumers. checkmyfile.com is fully independent and was the first in the UK to provide consumers with online access to their credit files, to offer consumers the ability to check their own credit score for free and to give plain English explanations of how credit scoring works. With over 1.1m registered customers and visited by over 20, 000 unique new visitors every day, checkmyfile.com is ranked within the World top 50, 000 websites. advice consolidation debt free

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Identity Theft

Find out for FREE how to raise your defences against this fast growing crime using advice based on your lifestyle and where you live. consolidation debt student

checkmyfile -credit check - Don tell burglars how long they e got to strip your home Email: Password: Password reminder Home Check your Credit Report Free Credit Score Find a Lender Debt Advice Centre Check your Postcode Free Identity Theft Check Don tell burglars how long they e got to strip your home

With around 1 million Britons expected to escape to the winter sunshine this Christmas, credit information experts at checkmyfile.com are warning holidaymakers not to let their automatic email replies and answer phone messages give their plans away to criminals. consolidate consolidation debt

Barry Stamp, Joint Managing Director of checkmyfile.com, the UK leading online consumer credit reference agency, said as ut of office email and voicemail responses have become commonplace, many people are leaving themselves wide open to burglary. consolidation debt lo

ith so much unsolicited junk email being received, most automatic replies will reach total strangers, giving a window of opportunity to anybody intent on fraudulent activity. From some of the automated email responses we have seen, it is relatively easy for burglars to work out the exact location of empty properties using publicly available databases. BR card christian consolidation

e never fail to be shocked by the extent of information that automated responses give. These quite often divulge the exact absence period, sometimes the holiday destination and inadvertently disclose pieces of personal information, says Mr Stamp, author of dentity Theft - Prevention and Victim Assistance by consolidation debt

t like putting a sign up in your front garden saying you e away on holiday until January 2 he warns. To avoid becoming the victim of burglary while away over the festive period, five Do and Don s of using automated responses are recommended: consolidation debt uk

If you have been denied credit, your lender should tell you whether your credit record was a relevant factor. It is worth finding out why your loan application has been turned down, rather than making repeated applications, as multiple attempts to get credit can damage your rating further you could end up paying more interest. consolidation debt mortgage

Experian, Equifax and Callcredit charge for a copy of a file and it is a good idea to check each one as different lenders use different agencies and they don all hold the same information. If you spot an error, write to the credit-reference agency to ask it to remove or change the entry, explaining why it is wrong and sending any evidence. The agency has 28 days to act, and the entry is marked as isputed in the meantime, so any lender searching your file will know not to rely on that information. consolidation debt help

If the agency doesn amend your records, you have a legal right to send a otice of correction (up to 200 words), to be added to your file. Explain what you think is wrong, including mitigating circumstances. consolidation credit debt

Many lenders recommend registering with Cifas, the UK fraud-prevention service. By doing so, lenders will seek extra information to make sure you are who you say. It costs 1.75 a year. If you are a victim of ID fraud, and the institutions involved are members of Cifas, your details are automatically registered. Cifas registers over 90% of lenders, including high-street banks. Cifas said the information does not determine your credit score and you will not be denied money based on a Cifas entry. But the additional checks mean you will not be able to obtain uick quotes online. bill consolidation debt

Lorna Brooks, 55, from Aber-deen, banks with NatWest. She had her ID stolen last November. Though the bank cleared her credit records, her Cifas entry meant she was turned down when she tried to sign up for a new mobile phone. consolidation debt quote

She had problems opening an Instant Saver account with the Post Office. t good that we are on the Cifas register but it was humiliating to be turned down in the mobile phone shop, she said. t takes longer to get credit clearance because of the checks. consolidation debt lead

checkmyfile -credit check - Am I a victim of the credit crunch

I made my first application for a personal loan this week and was very annoyed to find I was almost immediately rejected. As someone who prides themselves on keeping their finances in good order, I ve always thought that I would have a pretty decent credit rating. I m not afraid to borrow when I need to yet my payment record with credit cards and mortgages has been good. And although I ve missed the odd card payment along the way usually because the bank has caught me out by moving the due date I ve always been back on track the next month. consolidation debt non profit

I decided to investigate and headed to a website called checkmyfile.com, which lets you download your various credit reports on the spot for around a tenner. If you ve never done it before, I can highly recommend it it s a fascinating experience. consolidation debt loan online

The first report I looked at was my public Experian file, which is available to landlords, employers and any other person who might want to get an idea about your credit worthiness, but who is not one of the major lenders. Alarmingly, this gave me a rather paltry score of 634 out of 1, 000, which is well below the average of 750. consolidation debt home loan

When I dug a bit deeper, I discovered that the main reason for my poor rating was simply that I hadn t had any new checks on my file over the past year. While I scored highly for being on the electoral roll, and not having any county court judgments, I was effectively being penalised because I had not made any applications for credit. christian consolidation debt

Fortunately, not many lenders make up their minds about their clients on the back of these rather flaky public reports. And my Equifax and Call Credit reports proved more enlightening. These can only be accessed by around 200 of the biggest lenders in the country, and have all manner of detail about your bank accounts, credit cards, relationships with utility providers and more. consolidation debt information

On these reports, my score was up in the 800s which seemed much more realistic. But with a decent rating, why was I being turned down for a loan The truth is, it s impossible to know. Lenders are not obliged to tell you why they turn you down, and although your credit report may give you a clue, it s not always apparent. After a bit of ferreting around, I discovered that my ex-girlfriend who had a pretty awful credit record is still registered as someone I have a financial tie to. This, a credit expert told me, could well have been the reason I was knocked back. agency consolidation debt

The other, very plausible, option is that I have become one of the latest victims of the credit crunch. Although my credit rating is strong, there are, nevertheless, four missed payments across various credit cards over the past three years. As personal loan providers tighten their belts, and look to cherry pick the very best clients for their books, perhaps they decided that four indiscretions were simply too much for their liking. consolidation debt solution

After I finished examining my credit report, I discovered a link on the same webpage suggesting some lenders who would be willing to lend to someone with my risk profile. Ironically, Alliance Leicester was top of the list, in spite of the fact that the Moneyback Bank an Alliance Leicester subsidiary had been the lender who knocked me back in the first place. california consolidation debt

In the end, I didn t have too much trouble in finding someone else to take me on, but I learnt a valuable lesson. If you want to be assured of getting credit when you need it, especially in these tough times, you need to keep your record squeaky clean. The slightest indiscretion could be enough to put you in the reject pile. consolidation debt loan uk

checkmyfile -credit check - Absent parents face being made homeless and jobless by the Government plans to replace the CSA Email: Password: Password reminder Home Check your Credit Report Free Credit Score Find a Lender Debt Advice Centre Check your Postcode Free Identity Theft Check Absent parents face being made homeless and jobless by the Government plans to replace the CSA

Absent fathers face losing their job or becoming homeless under the Child Maintenance and Other Payments Bill, which has its second reading in Parliament tomorrow and advocates the naming and shaming of absent parents alongside the publication of Child Support Agency Liability Orders on credit files. consolidation debt equity home

The potential for an absent parent to lose their job or become homeless comes on top of any potential for credit rejection. Innocent people also face having their credit file blighted, with potentially serious consequences warns checkmyfile, the UK leading online credit reference agency. Barry Stamp, joint managing director of checkmyfile says, ecause of the use of public credit files by landlords and employers it is very possible that absent fathers could be made homeless or lose their job if Child Support Liability Orders are added to credit files and viewed in a similar manner to county court judgments or decrees. consolidation debt government

he absent parent may well find that they lose their job or are refused a roof over their head. Some positions, such as those in financial services, are subject by law to a clean credit check, and most landlords conduct a credit file search on prospective tenants. Without a job, the prospects of the CSA successor making a successful claim against an absent parent are significantly reduced. consolidation debt firm

his fate could also await innocent people who have no quarrel with the CSA successor through the incorrect publication of information with the credit reference agencies. BR Barry Stamp adds, ny person who has information published incorrectly, which can happen through confusion with a common name, or father and son living at the same address for example, or through a simple error, currently has the ability to seek compensation for any financial loss and stress caused by the error. That right is enshrined in the Data Protection Act 1998. BR consolidation debt financing

s the proposals currently stand, the naming and shaming will be subject to the consent of the former partner, so any claim for compensation will be directed both at the former partner and at the new replacement body for the CSA. I can see fertile ground for revenge wars between family members developing here, and taxpayer money being used to defend vexatious actions. BR consolidation consumer credit

e have had Child Support Liability Orders for many years and up until now they have not appeared on credit files. It follows that if non-credit related judgments are added to credit files, this will fog up the picture considerably in terms of the ability to use credit files for credit risk assessment. For example, over 83, 000 DVLA judgments were recorded in 2006, alongside almost 170, 000 water judgments both of which do not appear on credit files right now. BR consolidation debt free quote

For further press information please contact: Richard Goedegebuur at checkmyfile on 01872 241386 or email: richard.goedegebuur@checkmyfile.com For further press information please contact: Richard Goedegebuur at checkmyfile on 01872 241386 or email: richard.goedegebuur@checkmyfile.com Back to press pack card consolidation counseling

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