Please Find Below The Answers For The Most Frequently Asked Questions.

A credit report is a digital repository of your information maintained by regulated firms in the UK. Its purpose is to help credit companies and other organisations evaluate your repayment capability and creditworthiness. This report includes essential details such as credit accounts, payment amounts, outstanding balances, missed payments, etc. This information is shared between hundreds of companies. This known as (“C.A.I.S”)customer account information sharing.

This is the score provided by the Credit reference agencies which is used by the chosen lender to gage if your score is of adequate risk to lend, the greater the number the higher chance of lending also cheaper lending, sometimes you can have a high score and be maxed out on lending, so it’s always prudent to be caution and not over stretch yourself.

Our aim is to complete the matters as swiftly as possible; we estimate a time frame between 6-12 month as a reasonable time frame to establish the legal position on your credit accounts, every case is unique and based upon its own merit however, the goal on every credit account is to establish the legal obligation upon payments. If we are not complete by month 12, we will inform you of this and give you a new forecast completion date. If you have kept up with payments no further fees will be due.
When instructing us, your credit file will hold your credit account details, we will need access to this to proceed, alternatively you may have copies of all credit account details, we will need furnishing with this information.
The fee schedule will be based upon this information held from the outset.
Events which may affect or influence the projected time frames can include:

  • New / pending litigation.
  • The account is assigned to a new company.
  • The claimant provides evidence of their claim very late in the case.
  • It takes a long time for the claimant to accept our authority and engage with us constructively.
  • If we need to engage in dispute resolution

Your credit file contains various pieces of information about your financial behaviour. Here are the main components:

Personal Information:

This includes your name, date of birth, address history and sometimes your employment details. It helps to ensure that the information in your credit file is correct and matches your identity.

Credit Accounts:

These are the credit-related accounts you have, such as credit cards, loans, mortgages and even some utility contracts. Your credit file lists each account, along with details like the credit limit, outstanding balance and payment history.

Payment History:

This part of your credit file shows how well you’ve managed your repayments. It includes whether you’ve paid on time, missed payments, or defaulted on any credit agreements.

Public Records:

This section records any significant financial events, like County Court Judgments (CCJs), bankruptcies, or individual voluntary arrangements (IVAs). These records have a negative impact on your creditworthiness..


Whenever you apply for credit, the lender will request a copy of your credit file. These requests, known as “credit searches,” these are logged in your credit file, too many searches in a short period can harm your credit score.

Your credit file is crucial because it helps lenders decide whether to approve your credit applications. When you apply for a loan, credit card, or even a mobile phone contract, the provider will check your credit file to assess the risk of lending to you.

A positive credit file with a history of responsible borrowing and on-time repayments increases your chances of getting approved for credit at better interest rates. On the other hand, a negative credit file with missed payments or defaults may result in rejection or higher interest rates.

If your credit file isn’t as impressive as you’d like it to be, don’t worry – you can take steps to improve it over time:

Pay On Time:

Ensure you make all your repayments on time. Set up direct debits or reminders to avoid missing any due dates.

Stay within Credit Limits:

If you have credit cards, try to keep your balances below the credit limits to show responsible credit usage.

Close Unused Accounts:

If you have old or unused credit accounts, consider closing them as they may impact your credit score.

Avoid Multiple Applications:

Be cautious about making too many credit applications in a short period, as it can make you look desperate for credit

You can choose to end our engagement at any time, in doing so we will cease work on your file. This must be done in writing; at the companies address which can be found at the footer of this web page. you must give us 14 days’ notice. Once you have served your cancelation notice we will instruct billing, any outstanding invoices will become due immediately, failure to pay any outstanding invoices may incur further cost and legal action. Your statutory rights are not affected.

It’s important to be aware that our service fee is only applicable on the provision we complete the full journey.

If after 3 months you decide to cancel you must be up to date with payments, no further fees will be collectable.

You can instruct us to stop work at any time, depending on when you ask us to stop, you may still have fees to pay. For e.g. “In the event you cancel our service and we have billed for 3 months of work within the month you will owe the remaining bill, this can be paid upon cancelling, or continue to pay your monthly payment till the fee has cleared, failure to pay ay result in legal action which may increase the outstanding balance owed”