PrivacyGuard members are covered by our Credit Profile Monitoring Service.This means we're able to watch over your financial details and we'll alert if any of the following changes take place:
A search is made on your credit profile
These may be made by organisations such as banks, mortgage lenders, hire purchase companies or mobile phone companies who are checking your credit history and score, so as to make a decision on whether to lend you money or extend credit. They have to have your permission to do this.
New accounts are opened in your name
It may be a legitimate account opened by you. However, we alert you to this activity in case your identity has been compromised and this account has been opened fraudulently in your name.
A significant balance change on any of your credit accounts
We will notify you if there has been an increase in the amount you owe on one of your credit accounts
We will notify you if there has been an increase in the amount you owe on one of your credit accounts
Any dormant accounts being reactivated
A dormant account is one that is in your name but has been inactive for fifteen years or more. An account can only be activated by you, the original account holder, or a designated legal representative. Cyber criminals can access an old address and match it to an account.
A dormant account is one that is in your name but has been inactive for fifteen years or more. An account can only be activated by you, the original account holder, or a designated legal representative. Cyber criminals can access an old address and match it to an account.
County Court Judgments (CCJs) recorded against you
A County Court Judgement against you in this context means that debts have been accumulated in your name and the company ‘you’ owe money to has sought redress through the courts. This may have been recorded against unpaid debts that have been fraudulently accumulated in your name.
If this has happened to you need to take it seriously, as a CCJ against you will have a very negative impact on your credit rating. It can take some time to prove that these are not your debts and clear your name from the court records. PrivacyGuard can help reinstate your credit reference.
Notice Of Correction
A Notice of Correction is an explanatory statement that an individual can add to their Credit Report. It is attached to an item of data and is usually used to explain circumstances surrounding an entry on the report. Once the statement is added it will be seen by any company who makes a search and sees the entry to which it relates.
A Notice of Correction is an explanatory statement that an individual can add to their Credit Report. It is attached to an item of data and is usually used to explain circumstances surrounding an entry on the report. Once the statement is added it will be seen by any company who makes a search and sees the entry to which it relates.
An account being settled or closed
This is where you have repaid your credit. Settled accounts are kept on your report for six years from the date when the account was settled.
This is where you have repaid your credit. Settled accounts are kept on your report for six years from the date when the account was settled.