My Credit Rating Guide

Publications and other non-personalised goods For goods that are not prepared on a personalised basis, you have the legal right to cancel your order and return the goods you have purchased from us within seven business days of the date you receive them, as long as they remain in their original condition. This does not apply to any publication, packaged product or software product where the security seal or packaging has been removed or tampered with. Goods should be returned to us in secure packaging, with the correct level of postage affixed and must include your own name and address details to enable us to refund you. We strongly recommend that you use a recorded delivery service to ensure the goods arrive safely. We will notify you when we have received the returned goods and will refund the price you have paid within 30 days of receipt of the returned goods. debt consolidation and credit

• Credit reports are made up of information from several different sources which are updated at different time frequencies. Lenders send an update of the status of accounts reported on your credit file to the credit reference agencies not more frequently than once each month. For this reason, we also update credit reports no more frequently than once a month. Unlimited access to your credit file means that you can view your credit reports as often as you like, but the content will not be refreshed unless the most recently refreshed credit file is more than one month old. If you have purchased a Triple Agency Report using our Unlimited Access service and choose not to visit the website to refresh the credit report, we shall automatically obtain a fresh report every three months whilst you continue to pay the quarterly fee. check credit rating

From time to time it is not always possible to obtain your information from one or more of the credit reference agencies. This is usually because your address recorded at the credit reference agency may be indexed slightly differently from the one you have provided us. If we cannot obtain your credit file from a credit reference agency, it is highly likely that lenders using that credit reference agency will also have difficulty obtaining your credit file, as the systems we use are very similar. We will tell you if this happens and will try to resolve the problem, as unless resolved this could affect your ability to get credit. improve credit rating

Some credit reference agencies report significantly more information than others through online links, both to us and to the companies that use them. To our knowledge, no company can provide more information online from all three credit reference agencies than we can. The information we provide may not be identical to that which can be obtained elsewhere. For example, we do not provide lender names for Equifax data, as they do not supply this information to us or to lenders, but that information can be obtained in most cases by exercising statutory rights. Currently, not every type of data is available online from every credit reference agency. credit online rating report

• Governing law and jurisdiction We operate this website from our registered office at 13 High Cross Truro Cornwall TR1 2AJ England. In common with most others, this website can be accessed from almost anywhere in the World. If you are not accessing the website from England or Wales, the laws that apply to your country may well differ from those of England. In accessing this website, you agree that these terms and conditions and your use of this website shall be governed in all respect by the laws of England, without regard to conflict of laws or other regulation and in particular shall not be governed by the United Nations Convention on the International Sale of Goods. You also agree to process, store and keep confidential all information as if you are subject to the Data Protection Act 1998 You further submit to exclusive jurisdiction of the courts of England for all disputes, cases and controversies regarding this website, your use of this website and your relationship with us, subject only to your option to use the dispute resolution process set out in clause 18 above. We make no representation that materials on this website are appropriate or available for use in other locations. Accessing this website from territories where the content is illegal or unlawful is prohibited. If you choose to access this website from other locations then you agree that you do so entirely at your own risk and that you are responsible for compliance with local laws including any laws regarding the transmission of data exported either from England or from the country in which you reside, or from the country you are in when you access the website. credit score rating scale

• Prize Draw rules bad card credit credit people

1. No purchase is necessary. free credit rating report

2. To enter the Prize Draw, complete either of our 2007 surveys the Banking and Credit Card survey or the Mortgage Lender survey - and send a blank email to survey2007@checkmyfile.com before 30 November 2007. credit rating scale

3. The Prize Draw is open to all registered customers of checkmyfile or givemecredit currently resident in the UK. bad credit rating

4. Only one entry is permitted per registered checkmyfile or givemecredit customer. credit rating agency

5. The winner will be selected randomly from all valid entries. credit rating canada

6. The winner will be notified by email by 15 December 2007. The name of the winner and the town or city of residence will be published on the checkmyfile website on 15 December 2007 for 30 days. bad credit mortgage rating

7. The winner must respond to the notification email within 30 days to be eligible to receive the prize. We will respond to the winner within one working day. good credit rating

8. The prize is a 3 night break in February 2008 for two people comprising accommodation at the Jumeirah Beach Hotel in Dubai and flights from London arranged via a travel agent selected by us. A cash alternative of 00 may also be chosen by the winner if preferred. credit score rating chart

9. Any persons currently or previously employed by checkmyfile and their immediate families shall not be eligible to enter the prize draw. credit mortgage rating poor

Triple Agency Report

See and compare information held about you at each credit reference agency. All laid out in the same, easy-to-read way. Tell me more From 6.95 Buy now good credit rating score

Looking for a Personal Loan

It often makes sense to make bigger purchases using a personal loan, rather than putting them onto credit cards. poor credit rating loan

Our FREE credit finding service uses your credit score to find which loan providers are most likely to lend to you. View matched Personal Loans bank credit rating

What are the chances

Find out the odds of your identity being stolen based on your lifestyle and information held about your neighbourhood. Our FREE Identity Theft risk assessment service will also give you a series of tips to help you reduce the risks of falling victim. credit card for poor credit

Check your odds now here Annual surveys

Every year we ask our 1.3 million customers to tell us about their banks, credit card companies and mortgage lenders and publish our findings. We then advise you which lenders you can rely on, and which to avoid. We never recommend the services of any company that our customers don t rate. View our survey results here business credit rating

Some key facts

In March 2000, we were the first to provide credit reports online to UK consumers - three years before any other company. 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 moodys credit rating

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Whether you are looking for a new credit card, current account, loan or mortgage, we can help to point you in the direction of lenders most likely to say yes . credit card with bad credit

Why use checkmyfile

Our simple-to-use and FREE credit finding service matches you up with quality lenders and brokers who are most likely to help people with your credit rating. Compare the costs of the credit you deserve with that already in your wallet or purse - typically you can save around 00 per annum if you switch to cheaper lenders. personal credit rating

When you use this service, we will NOT: unsecured loan for bad credit

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• recommend any lender to you who has been rated for bad service by our other customers in our annual surveys credit union rating

• recommend any lender to you who will not allow us to publish our independent review of their product corporate credit rating

• lead you into a secured loan or re-mortgage, when a cheaper solution is available. credit rating fix

Just complete the form below and we will provide you with a focussed, manageable list of providers, so you won t have to wade through long lists to find what you want. bad credit loan personal

Credit is not a lottery

30% of credit applications are turned down. We can t guarantee 100% success, but your chances of getting credit are significantly higher - over 80% - when you use us rather than leaving things to chance. credit how improve quickly

The more scientific way - pioneered by checkmyfile - is to calculate your credit score and then to use it to find those who are happy to lend to you. Your Postcode: Age: Please Select Under 21 21-25 26-30 31-35 36-40 41-45 46-55 Over 55 Telephone: Please Select Home Telephone Contract Mobile Phone Both Neither Marital Status: fico credit rating

Please Select Married Single Living with Partner Widowed Divorced/Separated Time At Address: Please Select Less than 1 Year 1 Year 2 Years 3 Years 4 Years 5 Years 6 Years 7 Years 8 Years 9 Years 10 Years Over 10 Years Residential Status: Please Select House Owner Flat Owner Living with Parents Council Tenant Tenant Furnished Tenant Unfurnished Other Time With Employer: Please Select Unemployed/Less than 6 months 7 Months to 2 Years 2 Years to 5 Years Over 5 Years Retired Other Current Account: Please Select Switch/Maestro/Visa Debit Solo/Visa Electron I don t have a current account None of the above Time With Bank: Please Select Less Than 6 Months 7 Months to 2 years 2 Years to 5 Years 5 Years to 10 Years Over 10 Years I don t have a Bank or Building Society account Internet Banking: Please Select Yes, I use internet banking No, I don t use internet banking Credit Card(s): Please Select Yes, I have at least 1 Credit Card No, I don t have any Credit Cards Account Conduct: Please Select I never miss a payment I sometimes pay late but never miss payments I miss the occasional payment I ve been in arrears on a few accounts Several of my payments are in arrears I don t have any credit agreements Direct Debit: Please Select I pay my bills by direct debit wherever I can I pay some of my bills by direct debit My bank doesn t allow direct debit I don t use direct debit Court Judgments: Please Select Yes, I have at least 1 Court Judgment No, I don t have any Court Judgments Show matched: Credit Cards Personal Loans Current Accounts What safeguards do you offer

You have several safeguards when you use us - we are a credit reference agency in our own right - registered with the Office of Fair Trading and are registered with the Information Commissioner. What s more you can call us FREE on 0800 612 0421 if you need any help or advice. improving credit rating

Our surveys

Each year we ask our 1.3m customers about their banks, credit card companies and mortgage lenders. From our surveys, we are able to identify those who don t come up to scratch and we remove them from our selection lists. This helps to ensure that we don t steer you into a poor credit provider. End of row mortgage credit rating

Identity Theft Risk Assessment

Identity theft tends to be overhyped, but it s definitely over here and growing fast. Use this FREE service to calculate how exposed to identity fraud you are. We ll give you expert advice in plain English on how to reduce the chances of falling victim to impersonation. average credit rating

Calculate your risk

Please complete the form below and we will calculate the risk of your identity being stolen. The information you provide here is not stored. Your postcode is: You are: Please Select Male Female You live with: Please Select No-one, I live alone 1 to 3 other adults Over 3 other adults Your post is: Please Select Delivered through my own front door Placed in a mail box outside my front door Left in a shared lobby None of the above loan for people with poor

You have been on: Please Select No holidays 1 holiday 2 or 3 holidays 4 or more holidays

in the last 12 months In the last 12 months, you have been to (please tick all that apply): UK Europe USA Africa Russia Eastern Europe (former members of USSR) Middle East Far East Australia / New Zealand India South America Other destination Your wallet/purse is: bureau credit rating

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. find credit rating

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. increase credit rating

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. credit rating uk

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. free credit rating canada

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. standard poors credit rating

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. credit rating numbers

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. credit find fix it rating

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. free credit rating score

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. company credit rating

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 loan for people with bad

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 fixing credit rating

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 credit get rating

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 credit online rating

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Chasing your tail

Most consumers are paying more interest on their credit cards than they should be. See instantly how lenders rate you, how to improve your credit score and get cheaper credit, all for FREE. Calculate your Score now credit rating services

checkmyfile -credit check - UK consumers crippled by debt Consumers spend far more on cigarettes or on alcohol than on credit card interest

Tomorrow, Barry Stamp, Joint Managing Director of checkmyfile.com, the UK leading online provider of credit reports to consumers will ask the UK debt advisors whether the British consumer is really over-indebted. credit rating in canada

Stamp, also a member of the Institute of Credit Management Technical Advisory Committee, which gives feedback to government on changes to credit law, will show the national conference of UK debt advisors that the average UK household spends a lot more on cigarettes or on alcohol, or even on Bingo and the Lottery than they do on credit card interest, the object of so much controversy. fitch credit rating

Stamp adds, e hear much said about UK consumers suffering from an alleged ebt crisis and often read anecdotal evidence of credit horror stories, but a widespread ebt crisis is simply not supported by fact. credit rating definition

he latest Family Spending Survey, carried out by the National Statistics Office, shows the average UK household spends .70 on credit card interest each week, but it also spends .40 on cigarettes, .60 on alcohol, and .70 on playing Bingo and the Lottery. credit range rating

he government own statistics, in a recent DTI consultation document, believes that 4% of the UK population is over-indebted. That leaves 96% of consumers who are able to meet their financial commitments. credit rating insurance

onsumers have the freedom to contract the credit they need to live the lifestyle they choose. Yet only around 1 in 20 UK consumers are classed as ver-indebted, but that compares to 1 in 13 who abuse alcohol. bad credit rating repair

The latest credit industry (APACS) figures also show that 59% of credit cards are paid off in full each month, providing the UK consumer with a convenient way to manage their cash flow and consumers are now concentrating more on paying off their credit cards than they are on spending on them. fico score credit rating

hese figures don tell me Britain is suffering from a debt crisis fuelled by credit card spending, adds Stamp. nstead, they show that UK consumers are, in the main, able to manage their financial affairs well. BR credit rating chart

Stamp will also tell debt advisers that those Brits who are feeling the financial heat at the moment are as likely to be suffering from unregulated and dramatic rises in fuel, water and council tax bills that have gone unchecked, than they are from credit worries. Just because a consumer has had to borrow to pay higher tax and fuel bills doesn mean that the source of the problem lies with credit availability. BR bond credit rating

ince the 1970s average mortgage rates have fallen from 12% to 5% and credit card costs have dropped by 36%. In contrast, the tax burden on the average man in the street has increased from 35% to 40%. Utility and council tax bills have also increased significantly ahead of inflation. We should be blaming heating costs and council tax bills, not credit, for pressure on consumers. It is so much easier t to blame credit companies for any consumer pain than look properly into the reasons underlying financial pressure. BR equifax credit rating

he credit industry has always been a soft target for claims of making credit too freely available, but let not forget that it employs over 100, 000, and contributes bn in taxes each year and has benefited the economy to the tune of 2bn over the past 3 years. If credit is so easy, then how is it we can have the concept of financial exclusion And can anyone explain why it is that 3 in every 4 credit card applications are routinely declined The figures just do not support the argument. Our enviable stable economy is driven by a long-standing GDP growth of around 2.5% - the majority of which is down to consumer spending and borrowing. Without consumers borrowing as they do, the National Debt would rise, taxes would have to rise significantly, and we would no longer enjoy the low interest rate environment that keeps our mortgage costs so affordable. Stamp argues. credit loan rating score

Editor s Note Barry Stamp, Fellow of the Institute of Credit Management, is seconding a motion proposed by Eric Leenders of The British Bankers Association at the Money Advisers Liaison Group Conference, at the Institute of Electrical Engineering, Savoy Place, Embankment, London on Wednesday, entitled: he house believes that over-indebtedness is not a problem. /b Launched in 2000, checkmyfile.com is the UK first Internet based credit reference agency, aimed firmly at serving consumers.

See and compare information held about you at each credit reference agency. All laid out in the same, easy-to-read way. Tell me more From 9.95 Buy now aaa credit rating

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checkmyfile -credit check - Identity cards cannot do anything to reduce almost half a billion pounds lost to identity fraudsters annually

Government plans to introduce a national identity card scheme will do very little to cut the financial damage to the UK economy caused by identity fraud, warns identity theft experts at checkmyfile. Barry Stamp, Joint Managing Director of the UK leading online credit reference agency, said an examination of banking industry fraud loss figures illustrate just why the government is wrong to claim that identity cards are a panacea to the dangers of identity theft. credit rating system

Identity cards will do very little to stop the 28 million lost to plastic card fraud one of the largest components of the government stated figure of .7 billion for annual losses to the UK economy caused by identity fraud. free canadian credit rating

Stamp, also author of Vdentity Theft: Prevention and Victim Assistance and the Yawpack Identity Theft Self Help Kit says: he government identity card scheme will have very little impact on the hundreds of millions of pounds lost to plastic card fraudsters every year, one of the biggest sources of income for criminal gangs. BR check your credit rating uk

Below is a breakdown of the losses plastic card identity fraudsters inflicted on the UK economy in 2006, which will not be reduced by the introduction of an identity card scheme. Mail order, internet or phone fraud (card-not-present fraud) which cost the UK economy 12 million last year will not be cut by the introduction of an identity card scheme. Counterfeit card fraud (credit card skimming/cloning) which cost the UK economy 00 million in 2006, and is regularly in the headlines, will not be reduced by the introduction of an identity card scheme. repairing credit rating

Fraud on stolen or lost cards cost the UK 8 million last year, identity cards will not help to reduce this. Mail non-receipt fraud cost the UK 5 million last year and will not be prevented by the introduction of identity cards. Card ID theft losses stood at 2 million last year and will not be much reduced by the introduction of identity cards. Of these losses, around one quarter or 18 million was lost to fraud committed outside the UK. credit rating australia

Identity cards should have an impact when it comes to face to face identity fraud, such as that carried out at bank branches, through fraudulent cash transactions or the setting up of fraudulent bank accounts. credit rating information

But while not insignificant, this type of fraud cost the UK economy in 2006 just one fifth of the total for plastic card fraud losses. he vast majority of current losses, amounting to over 00m per annum, is incapable of being reduced by the introduction of identity cards, concludes Stamp. understanding credit rating

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