IN BRITAIN TODAY, KEEPING YOUR CREDIT REPORTS UP-TO-DATE IS VITAL ACROSS ALL WALKS OF LIFE. THIS CAN BE CHALLENGING—UNLIKE IN THE U.S., EACH CREDIT REFERENCE AGENCY AND BANK CREATES ITS OWN REPORT, USING EVERYTHING FROM THE ELECTORAL ROLL TO ELECTRICITY BILLS. REPORTS SOMETIMES CITE INACCURATE INFORMATION, PUTTING YOUR CREDIT AT RISK.

REGAL CREDIT MANAGEMENT IS HERE TO HELP. 

We point you towards the best credit reports on the market. We then carry out free, expert analysis to ensure it’s up to scratch—and help fix it if it isn’t. 

Statutory Report	CheckMyFile Highly Recommended
Free	Free for 30 days, then £14.99 a month
Completely free, we help you get statutory reports from Experian, Equifax and TransUnion, the three main credit reference agencies in the U.K.	More comprehensive than free statutory reports, CheckMyFile is the U.K.’s only multi-agency credit report.

USER PROFILE

Peter, 66, never knew his credit was a problem. He had always paid his bills on time, and anyway avoided credit as much as possible. But when he needed to take out a loan for a holiday home he and his wife were buying in France—he found that he couldn’t. His new bank blocked the loan because of Peter’s weak credit score. 

Confused and frustrated, Peter turned to Regal Credit Management. On our advice, he signed up with CheckMyFile, the U.K.’s only multi-agency credit report. After getting the results, we analysed Peter’s credit report—and the reason for his loan rejection soon became clear. After confusing him with someone else of the same name, both credit reference agencies and lenders were reporting that he had defaulted on a debt in the early 2000s—something that in reality had never happened. 

After we pinpointed the problem, Peter agreed the next step was to follow our advice to get the issue rectified. We lobbied his lender to clear his name, and within a few weeks his loan was approved—finally letting Peter begin his French retirement in peace.