Frequently Asked Questions

1. What products does Credit Check Online offer?

We offer a range of credit checking services, including personal credit reports, credit score monitoring, and identity theft protection. Our tools help you understand your credit profile and improve your financial health.

2. Are there any charges for using your services?

Yes, our services may involve a subscription fee. We offer various plans tailored to meet different needs. Please visit our pricing page for detailed information on costs and features.

3. How can I contact Credit Check Online?

You can reach us via our contact us page

4. What is your company address?

Our office address is: Credit Check Online 124 City Road London EC1V 2NX

5. What is your VAT number?

Our VAT registration number is GB343714704

6. What is your company registration number?

Our company registration number is 12059440, registered in England and Wales.

7. Is Credit Check Online regulated by the FCA?

Yes, Credit Check Online is authorised and regulated by the Financial Conduct Authority (FCA) to ensure that we meet high standards of consumer protection and service, with firm reference number 964340.

8. How do I cancel my subscription?

You can cancel your subscription at any time by logging into your account. My Account > Plan > Change Plan. Alternatively, you can contact our support team for assistance.

9. What should I do if I find an error in my credit report?

If you spot an error, please contact our support team immediately. We will guide you through the process of disputing inaccuracies with the relevant credit reference agencies.

10. How often can I check my credit report?

You can check your credit report as often as you like. Regular monitoring is encouraged to stay informed about your credit status.

11. Is my personal information safe with Credit Check Online?

Yes, we take your privacy seriously. We use advanced encryption and security measures to protect your personal information.

12. What is a credit score and why is it important?

A credit score is a numerical representation of your creditworthiness. It affects your ability to obtain loans, credit cards, and even rental agreements. A higher score typically means better borrowing terms.

13. Can I access my credit report for free?

We offer a £1.95 1 month trial for new users, allowing you to access your credit report at no cost for a limited time. After the trial, subscription fees will apply.

14. How long does it take to receive my credit report?

Once you sign up and verify your identity, your credit report will be available for viewing immediately.

15. What factors affect my credit score?

Your credit score is influenced by various factors, including payment history, credit utilisation, length of credit history, types of credit used, and new credit inquiries.

16. Do you offer identity theft protection?

Yes, we provide identity theft protection services that monitor your personal information and alert you to any suspicious activity.

17. What happens if I miss a payment?

Missing a payment can negatively impact your credit score. It's important to make payments on time to maintain a healthy credit profile.

18. Can I improve my credit score?

Yes, you can improve your credit score by paying bills on time, reducing debt, checking your credit report for errors, and avoiding unnecessary credit inquiries.

19. Do you provide support for financial advice?

While we offer tools and resources to help you understand your credit, we do not provide personal financial advice. We recommend consulting with a qualified financial advisor for specific guidance.

20. How can I stay updated on my credit status?

By subscribing to our credit monitoring service, you will receive regular updates and alerts regarding changes to your credit report and score.

21. What is the difference between a soft search and a hard search?

A soft search is a preliminary credit check that doesn't affect your credit score, while a hard search is a more detailed inquiry that may temporarily lower your credit score.

22. How long does a hard search stay on my credit report?

A hard search typically remains on your credit report for 12 months.

23. Can I remove a hard search from my credit report?

No, hard searches are a normal part of the credit application process and cannot be removed. However, they will have less impact on your credit score over time.

24. What is a credit reference agency?

A credit reference agency (CRA) collects and maintains information about your credit history, which is used to generate your credit report and score.

25. Which credit reference agencies do you use?

We use data from TransUnion.

26. How often is my credit report updated?

Your credit report is typically updated every 1 month.

27. Can I dispute information on my credit report?

Yes, if you find an error on your credit report, you can dispute it with the relevant credit reference agency. We can also assist you with this process.

28. What is a County Court Judgment (CCJ)?

A CCJ is a court order that requires you to pay a debt. It can negatively impact your credit score if not paid promptly.

29. How long does a CCJ stay on my credit report?

A CCJ typically remains on your credit report for 6 years from the date of the judgment.

30. Can I pay off a CCJ early?

Yes, you can pay off a CCJ early, which may help improve your credit score. However, it's essential to confirm with the court and the creditor that the payment has been received and the CCJ has been satisfied.

31. What is an Individual Voluntary Arrangement (IVA)?

An IVA is a formal agreement between you and your creditors to repay a portion of your debts over time.

32. How long does an IVA stay on my credit report?

An IVA typically remains on your credit report for 6 years from the date of the agreement.

33. Can I get a mortgage with a poor credit history?

It may be more challenging to get a mortgage with a poor credit history, but it's not impossible. You may need to consider alternative lenders or mortgage products.

34. What is a credit builder loan?

A credit builder loan is a type of loan designed to help you build or rebuild your credit history.

35. How can I improve my credit utilisation ratio?

You can improve your credit utilisation ratio by reducing your debt, increasing your credit limits, or avoiding new credit inquiries.

36. What is a credit limit?

A credit limit is the maximum amount you can borrow on a credit card or other credit account.

37. Can I increase my credit limit?

Yes, you can request a credit limit increase from your lender. However, this may involve a hard search and could temporarily affect your credit score.

38. What is a credit card interest rate?

A credit card interest rate is the percentage of your outstanding balance that you're charged as interest each month.

39. How can I avoid credit card interest charges?

You can avoid credit card interest charges by paying your balance in full each month or by choosing a credit card with a 0% introductory APR.

40. What is a credit score range?

A credit score range is a scale used to evaluate your creditworthiness, typically ranging from 0 to 999.

41. What is a good credit score?

A good credit score is generally considered to be 961 or higher. However, different lenders may have varying criteria for what constitutes a good credit score.

42. Can I get a credit score if I'm new to credit?

Yes, you can get a credit score even if you're new to credit. However, it may take some time