Credit Rating
Identity Fraud – Has Your Financial Profile Been Stolen?
Identity Fraud (or Identity Theft) is the fastest growing kind of fraud in the UK. It happens when someone gets hold of your personal details and uses them to obtain goods or services by pretending to be you.
Often, your details are used to obtain credit or other finance services, and this credit will most likely not be repaid. It can take months before you find out what’s happening, by which time untold damage may have been caused to your credit rating.
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Your Credit File
Whenever you apply for credit, it’s almost certain that some form of credit check will be made before you’re approved. This usually involves consulting your credit file or credit record. But what exactly is this file?
Bad Credit Jargon
What do all the various terms related to bad credit actually mean? Our quick glossary defines the most common and important bits of jargon.