Investigation - Credit Rating
Checkmyfile UK/UK
Checkmyfile.com is operated by Credit Reporting Agency Limited, and is the UK's first Internet based provider of consumer credit reference information. They deliver credit reference information conveniently and quickly to anyone with access to the Internet. They provide help text where necessary throughout the website to help those who are not familiar with some of the jargon used in credit. They have two main functions: To help individuals to check their own credit files, or to keep track of changes to the information stored about them. To enable businesses and other commercial organisations to check credit files using the Internet.
Individuals are able to access all of the public information already mentioned. Credit Reporting Agency also uses power of attorney from its customers to reveal privately held and detailed information on how credit commitments have been handled, such as current credit card balances, payment history and credit limits. These private files are shared by over 200 of the largest lenders in the UK and are vitally important for people who regularly apply for mortgages or credit. They provide a service to individuals to monitor changes to their credit files and to keep them fully up-to-date with personal information issues. They also provide advice on how to maintain a good credit file and how to fix errors.
Businesses using the services may include anyone wishing to check out people before making decisions to lend money, to employ people, or who just wish to make general background checks. The information made available through Credit Reporting Agency for these purposes is already in the public domain, such as Electoral Roll information and the presence of county court judgments or bankruptcies.
Founded in 1998 in Cornwall, Credit Reporting Agency is a privately owned company, funded independently without reliance on any UK institution and has no link to any government agency. Their independence enables them to give fully impartial and objective advice, helping businesses to make better informed decisions and enabling people to take control of the information held about them.
|