Benefits

Members will receive access to important information relating to their own credit report:

Firstly, you will have unlimited online access to your credit report, as powered by Experian, the UK’s leading credit reference agency. This will enable you to check current and historical activity and keep a track of this over time.

Secondly, you will also receive weekly alerts, either by email or text, containing notification if any of the following actions have occurred on your credit report in the past seven days:

• Additions or deletions of credit accounts
• Changes in the payment history of a credit account
• Additions or deletions of a Court Judgement
• Searches are made of your credit report
• Additions or deletions of a Notice of Correction
• An account has been settled
• A significant balance change on any revolving credit accounts opened in the last six months

If there are no changes in a particular week you will not receive an alert. However, for your peace of mind you will receive a quarterly 'no-hit' communication at the end of each quarter if your credit report has not been affected by any of the above changes in the past three months.

By checking the details of your credit report online, or by viewing the changes in the alerts that you receive, you will be able to view activity as it occurs, including anything that may not have been instigated by you. Such changes may be an indication that there has been unauthorised activity taking place in your name and that your identity may have been used fraudulently.

Our website also contains links to other useful resources relating to identity theft, as well as advice on how to protect your identity and other significant news articles. Regular newsletters will also keep you informed of our service as well as other relevant news.

Finally, we are also able to provide peace of mind for you by offering phone advice from credit reference specialists if there are any aspects of your credit report about which you may be uncertain.