Who provides our Credit Report?
Our credit report is provided by CallCredit.
Why do I need to input my Credit Card information?
Your Credit Card information is only used as a means to identify you and link you to the correct credit file. Your card information is not stored and you will never be charged for anything, as our credit report is, and always will be, completely free.
How much is the credit score out of?
Our maximum credit score is 710.
My other credit report has a different maximum score, which one is correct?
The credit score is a visual representation of your credit file health.. Each credit report has a different maximum score, depending on their own rating criteria. A similar example is how some schools grade their papers from 10 to 1 and others with letters, A to F.
I have a completely different score on a different credit report provider, which should I trust?
As the score itself is representative, you should really be looking at the actual report to see if the information there is correct. Not all credit providers supply information to all Credit Reference Agencies so there can be some disparities but broadly they should show a similar picture.. If there is a great disparity, it could be a sign that you have incorrect information in your credit file, so the best course of action would be to go through it and highlight any information that is incorrect to your credit report provider.
I have incorrect information (such as a previous address or quote I did not request) in my credit report. What should I do?
Please get in touch will CallCredit so they can investigate and correct this data.
I have recently changed address but my credit report hasn’t updated. What should I do?
When changing address, the credit report should pick this up automatically, but it can take some time to do so. In order to speed up the process, you can try updating your address in the electoral roll, and also with your credit providers.. This could help speed up the process.
Does checking my report regularly have a negative effect on my score?
Checking your credit report doesn’t have a negative impact on your score, quite the opposite in fact. It’s recommended that you check it regularly to make sure that everything is in order and no suspicious activities have been tracked.
What you might have heard is that “Credit Checks” might have negative impacts on your score. These happen mainly when you apply for a loan, card or mortgage for example, as the bank or financial institution you request them from run a check on your credit file to see how much of a liability you could be. If you have several repeated checks on your file over a short period of time, that may give a negative impression to your potential lender, however soft credit searches won't be taken into account by lenders so if you are comparing loans or credit cards it's useful to look for those lenders who use a soft or quotation search.