Callcredit for consumers

One of the main reasons consumers contact Callcredit is to obtain their credit report. We hold data from various sources, and banks and other lending organisations use this information as part of their process for assessing credit applications whether it be a mortgage, personal loan, credit card or mobile phone.

For this reason, it is important that consumers regularly check their report to ensure the information on it is accurate, particularly if you are considering applying for credit. It is also the only place where you can see all of your financial commitments in one snap-shot, making it an invaluable reference to how much you owe on your entire account portfolio.

Our data is dynamic, and is usually amended on a monthly basis by financial institutions to ensure that you are always in possession of the most accurate and up-to-date picture of your finances. And, if you find anything incorrect on your credit report, we work quickly with the organisation that reported the data to put things right.

Your credit report can be a useful tool when you understand it:

Credit Rating: Understanding how lending decisions are made and how to keep manageable levels of debt, is becoming an important part of everyday life. Your credit status is built from the history of all your financial accounts and the public information held about you. To maintain a good credit rating it is important to pay your bills on time, even if it's only the minimum payment, and make sure the information on your credit report is accurate.

Your credit score shows you how well your overall credit report ranks against the general population. Our online service Callcredit Check provides you with a free credit score each month for the first three months. Go to www.callcreditcheck.com now.

Identity Theft: You can detect the first signs of identity theft if you regularly check your credit report. Callcredit Check, our online credit report service, will send you an email alert when there is a key change to your report. If it's a suspicious address change or new account, we will help you to stop the fraud in its tracks. Go to www.callcreditcheck.com now.

The current climate - Credit Crunch

The current recession is a worrying time for all of us. However, your credit report can help:

  • A check of your report will help you keep an eye on your overall credit commitments at a glance and is an early indicator if you are becoming overindebted
  • Identity theft is expected to continue to increase in these troubled times; joining up with Callcredit Check means you are alerted if anything significant changes on your credit report such as limit increases, new accounts and address changes - all the things a fraudster might try and do!
  • As lenders become stricter in terms of who they lend to, our credit score and a chance to see the same data the lenders assess will give you a better chance of obtaining credit without the embarrassment of being turned down.

What we offer:

To see your credit report now online 'please click' the link below:
www.callcreditcheck.com

To receive a copy of your statutory report download the PDF version credit file application form here and return to address shown below.

If you have any general credit report queries, please contact us at consumer@callcreditgroup.com.

Specific issues with your own credit report should be sent to us, in writing, to the following address:

Consumer Services, PO Box 491, LEEDS, LS3 1WZ.

Message for myCallcredit customers:

Callcredit Check is the new and improved myCallcredit. You will receive all the added benefits of the service at no extra cost, please go to www.callcreditcheck.com and sign in using your myCallcredit login details.

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Consumer Feedback

Here's what some consumers have said about our credit report service:

"We were most impressed with the information supplied" - M.T., Solihull

"You have been wonderfully helpful during a great time of stress and made my life a whole lot easier" - J.W., Alnwick

"If anyone asks I will not hesitate to recommend this company's services" - N.B., Derby

"Many companies could take a leaf out of your book" - V.F., Liverpool