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A general rule of thumb is that credit report data lasts for 6 years. Debt
collection searches however are removed after 24 months and credit application
searches are removed after 12 months. Linked addresses and Electoral Roll data
are never deleted. Financial associations are only deleted upon request.
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On average it takes 4 - 6 weeks for your local authority to update the Electoral
Register and then an additional 3 weeks for Equifax to notify us. We update your
credit file the instant we receive this information.
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This is a statement of up to 200 words that explains any information on your
credit file that isn't necessarily wrong, but you believe could give lenders a
misleading impression regarding your creditworthiness. For example, you might
want to explain a period of bad debt that was due to circumstances such as a
relationship break-up, unemployment or ill health. Please be aware that we
won't add your notice of correction if it's incorrect, negatively affects someone
else's reputation, frivolous or scandalous, or in any way unsuitable for
publication.
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Lenders do not use the credit scores provided by credit reference agencies. So,
we put a lot of blood, sweat and tears in to developing a better system for
consumers. Credibble’s clever technology takes the guesswork out of building
creditworthiness. Simply look at your Credibble Score Booster and you will find
helpful and harmful tips to controlling your creditworthiness. These actionable
insights are personalised to your circumstances and are based on the criteria
lenders use to determine creditworthiness. With regular updates, our technology
will also take account of changes in Lender’s criteria, so you can always feel
confident that your tips are valued by lenders currently providing credit.
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This document describes how the three main UK credit reference agencies each
use and share personal data that they receive about you and/or your business
that is part of or derived from or used in credit activity.
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It's the European data protection regulation that came into effect on 25 May
2018. Under new GDPR rules, credit reference agencies in the UK like Equifax will
be required to follow guidelines on how to handle data that they receive about
consumers and businesses.
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To remain secure, and compliant with the latest regulations, from time-to-time
we carry out essential site maintenance. We also like to ensure that Credibble is
accessible on all web browsers and sometimes browser updates mean we need
to perform upgrades to our site. So you can enjoy Credibble, any downtime that
results will be kept to a minimum.
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We would love you to stay, but If you are sure you'd like to close your account,
please login to your account and under your profile information, select 'Delete
Account'.
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Your credit file is provided to us by Equifax. They compile your file based on
information from banks, lenders, mobile phone companies, utility companies and
any other organisations that appear on your file. This file is updated once a
month, and so your file may lag 4-6 weeks behind any changes. If you think your credit file contains incorrect information that is greater than this period, you’ll
need to contact the lender involved, as only they can make this change and
authorise Equifax to update your file. Errors may include but are not limited to,
incorrectly recorded late payments, arrears or defaults or not being recorded on
the Electoral Roll at your current address. If the lender agrees that the
information is inaccurate, they can make the necessary amendment and then
instruct Equifax to update your file. If there is information on your file which is
correct, it won’t be removed until the entry has expired.
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Electoral Roll registrations are mostly accepted by local authorities at any time,
but each local authority will operate a monthly cut-off for supplying these
updates to us. If you register before your local authority's cut-off date it will
typically take four to eight weeks for your registration to appear on your credit
file. If you register after your local authority's cut-off point, your registration
details will not be supplied to us until the following month. This is likely to take
around six to eight weeks to appear on your credit file. We do not retain
information about local authority cut-off dates as they are subject to change.
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Linked addresses are all the addresses where you or any of your financial
associates have lived, and where you have applied for, or taken out, a credit
agreement together. Past and present addresses become linked when you have
provided a company your current and previous addresses and they perform a
credit search against both addresses. It will occur if you inform a lender that
you've moved - the next time they update your account information they will link
your current and your previous addresses. Linked address information remains
on your credit file indefinitely.
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A financial associate is someone who is financially linked to you, usually through a
joint agreement such as a bank account, loan or mortgage. An association can
also be created if you make a credit application with someone else or if you act as
a guarantor for another person.
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Credibble is a member of CIFAS, which is a national fraud prevention service.
CIFAS can place Protective Registration and Victim of Impersonation warnings on
your credit file. These highlight that the lender should take extra precautions
before opening a new account, to ensure that the applicant and application are
genuine.
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Action Fraud is the UK's national reporting centre for fraud and internet crime
where you should report fraud, attempted fraud or cybercrime. To submit a
report, visit www.actionfraud.police.uk.
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When you open a credit account (for example, a credit card or mortgage), you
agree to your information being shared with credit reference agencies. For each
credit agreement, credit reference agencies record information such as your
credit limit and repayment history. Lenders submit this information monthly.
Credit reference agencies cannot delete or change credit agreement information
without the written permission of the respective lender. Active credit
agreements stay on your report indefinitely, showing the last four years of
payment history. Once an agreement is closed, the information stays on your
credit file for six years.
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When you search for credit such as credit cards, loans and mortgages on most
websites, different lenders may view your credit file to check if you’re eligible for
their product or products. This is called a ‘soft search’ (or quotation search) and
does affect your Lender Score.
When you go ahead and apply for credit (such as a credit card, loan or mortgage), your chosen lender will often perform a full credit search on your credit file to
come to a decision to lend to you. This is called a hard search (or application
search) and will affect your Lender Score.
Other types of searches may be performed too, such as for identity verification or
debt collection purposes.
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Previous occupants of your home, or people who are currently sharing your
address, will not affect your Equifax credit score unless you are financially
associated. A financial associate is someone with whom you've applied for a
credit application, like a joint credit account or mortgage. Their Equifax credit file
may be taken into account by lenders when you apply for new finance.
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A credit score is a measure of an individual's creditworthiness which is calculated
by a credit reference agency, such as Experian, Transunion or Equifax.
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Check for any new accounts and credit searches on your homepage under the
Fraud Watch tab. If this displays a new account on your credit file in past month,
but you believe it was not opened by you, this can be a strong sign that someone
has committed fraud in your name. You should contact the relevant lender
immediately and inform them that you may be a victim of fraud. This will allow
the lender to cease the account and investigate.
Equally, the presence of unrecognisable credit searches may indicate someone
trying to take finance under your name. You should contact and notify the
relevant lender who will stop any credit applications and will also investigate this
further.
Regular checks of your Credibble account can help prevent fraudulent use of your
personal details. If you are a victim, you will be well placed to act as soon as
possible to limit its negative effects.
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Most bankruptcy records remain on your credit file for six years from the date of
bankruptcy, even if you've been discharged before this time. In order to have a
bankruptcy accounts marked as settled, please contact each of the lenders with a
copy of your Certificate of Discharge. Once they update their records, they will
notify the credit bureaus and this information will be passed on through a credit
reference agency or agencies and updated on your credit file.
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With your permission, anyone with a valid business reason can look at your credit
information, although they may only have access to limited types of information.
People and organisations may include, although this is not limited to: potential
lenders, landlords, insurance companies, employers and potential employers,
companies you allow to monitor your accounts for signs of identity theft or
changes in your credit file.
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Giving an answer which is 100% accurate is almost impossible, as every lender
uses different cut-off levels in their Lender Analysis and does not share this
information with us. Credibble, however, solves this to some degree, as we are
the first company to perform a detailed analysis which shows exactly how you are
scored (in your Lender Analysis). Areas where you have scored poorly and are
graded relatively low (e.g D or E) are likely to be areas that concerned a lender
sufficiently to result in a decline.
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No, searching loans by eligibility won’t affect your score at all. Credibble uses
Silent Search technology so window shopping doesn’t appear on your credit file.
However, making a formal application for a loan will affect your Lender Score; so
only apply once you’re confident about your decision.
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No - Lenders cannot see your Equifax Credit Score. Lenders generate their own
unique Lender Score, which is based upon your credit file. Credibble has been
painstakingly designed to utilise the multitude of factors that go in to a lender’s
true assessment of your credit file. We are proud of what we have created and
believe it finally unlocks the lending scoring system for the benefit of consumers.
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No - Lenders cannot see your Credibble Lender Score. Lenders generate their own
unique Lender Score, which is based upon your credit file (as shown in your
Lender Factors). Your Credibble Score works in a similar fashion and is designed
to give you a true likeness of your credit file from a lender’s perspective. It’s the
closest you can get to a credit check and we believe your Score Booster makes it
infinitely better. Your Score Booster provides you with personalised tips on how
you can improve your creditworthiness and harmful actions to avoid.
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A credit report is the viewable format that a company generates from a user’s
credit file. This provides information on your personal credit agreements and
payment histories. It also shows electoral roll, court judgments and other
information.
We developed the Credibble lenders factors to be the most insightful and
actionable report that is available anywhere.
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Credibble does not share or sell any personalised user data - so this cannot have
come via us!
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Credibble is authorised and regulated by the Financial Conduct Authority (FCA)
and Information Commissioner's Office (ICO). The Information Commissioner's
Office provides Credibble with a Data Protection Licence and regulates the
company; ensuring we strictly manage your information to comply with the Data
Protection Act.
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We work hard to give you the best possible service and for free. Sometimes,
though, we don't get things right. If you're not happy with the service you're
receiving, please tell us so that we can put things right as soon as possible. We try
to make it as easy as possible for you to share your concerns with us, and we
want you to be happy with how we handle them.
You can send us your complaint through our website by going to the contact us
button or by send us an email at: hello@credit-score.com