You can cancel your membership in the following ways:

1. The easiest option is to login to your online account and click the 'Cancel Membership' link.
2. If you have not activated your online account or have forgotten your login details, you can download a cancellation form from the website homepage. Once it has been completed, please send it by email to enquiries@MyCreditMonitor.co.uk.
3. Alternatively, you can write to us at MyCreditMonitor, Operations Centre, Sentinel House, Airspeed Road, Portsmouth, PO3 5RF.
4. You can also call us on 0344 381 4163*. Lines are open 8am to 8pm Monday to Friday and 9am to 5pm on Saturday (excluding Sundays and Bank Holidays).

*Calls to 03 numbers will cost no more than 01 or 02 numbers from landlines or mobiles and are included within free call packages. Please be advised calls are recorded for training and quality assurance purposes.

A credit report is a summary of your financial background and status and gives an overview of your credit profile, including your credit score and rating. It's often used by lenders, such as mortgage and credit card companies, to make decisions whether to lend to you. Click here for further information of what's included in a credit report.

It helps you to see what might be impacting on your credit worthiness and allows you to check that everything shown about you is correct. Incorrect information could impact your ability to get credit. Having a poor credit profile can result in you being turned down for a loan or being charged a higher level of interest.

Your credit score is calculated using the details in your credit profile and will normally range from 0 to 710 depending on the credit reference agency you use to view your credit report.

The higher your score, the easier you should find it to borrow money or buy goods on credit. A high score also means you're more likely to be able to get better deals with lower rates of interest.

Your MyCreditMointor credit score is produced by TransUnion and will range from 0 – 710.

Each lender calculates their own score for you and they may take into account other information, such as details their organisation already holds about you, or your employment circumstances. Your score can change depending on who you want to borrow money from.

It's not possible to say what a "good" credit score is as it's different for every lender. Lenders will take lots of things into account when deciding whether to offer you credit, including your credit profile information and other factors such as:

• Information they already hold about you.
• Your employment status when you apply.
• Current earnings and outstanding credit.

You can see how your score compares to the rest of the UK by checking your credit rating, which gives you a rating from 1 to 5 stars.

A high credit score - typically anything from 604 to 710 - suggests that you are a low risk for failing to make payments, while a lower credit score - typically anything from 0 to 603 - can indicate to lenders that you carry more of a higher financial risk.

To understand more about your credit score and rating, see the FAQs 'What is a credit score?' and 'what is a credit rating?’

Of course. As a member of MyCreditMonitor, you have full access to a dispute service which will help to correct anything you think could be wrong on your credit profile. We can't make the changes ourselves, because your credit report is made up from information that TransUnion (the Credit Reference Agency) hold about you. But we can help you through the steps you might need to take to put things right. If you have found something that's wrong on your credit report call us on 0344 381 4163.

You can cancel your membership in the following ways:

1. The easiest option is to login to your online account and click the 'Cancel Membership' link.
2. If you have not activated your online account or have forgotten your login details, you can download a cancellation form from the website homepage. Once it has been completed, please send it by email to enquiries@MyCreditMonitor.co.uk.
3. Alternatively, you can write to us at MyCreditMonitor, Operations Centre, Sentinel House, Airspeed Road, Portsmouth, PO3 5RF.
4. You can also call us on 0344 381 4163*. Lines are open 8am to 8pm Monday to Friday and 9am to 5pm on Saturday (excluding Sundays and Bank Holidays).

*Calls to 03 numbers will cost no more than 01 or 02 numbers from landlines or mobiles and are included within free call packages. Please be advised calls are recorded for training and quality assurance purposes.

Just click here and follow the steps to reset your password for your online account.

There are two ways to change your email address. Visit the My account page and update your details online or call us on 0344 381 4163.

Payments are taken monthly from the account you used when you set up your membership. If you'd like to check or change your payment details, please call us on 0344 381 4163.

You can change the account you use to pay for MyCreditMonitor, either by direct debit or a debit/credit card. You can also change the date that the payment comes out of your account. If you'd like to make a change, please call us on 0344 381 4163 alternatively select 'My Account'.

We are sorry if you feel the need to complain. We want to hear from you because telling us gives us the chance to put matters right for you, and see how we can improve what we do for others.

Please contact MyCreditMonitor on: 0344 381 4163
Email us at enquiries@mycreditmonitor.co.uk
or write to us at the following address quoting your MyCreditMonitor membership number:

Customer Services Manager
MyCreditMonitor
Sentinel House
Airspeed Road
Portsmouth
Hampshire
PO3 5RF


If you remain unhappy
If we have not resolved your complaint to your satisfaction within eight weeks from when you first contacted us you may refer your complaint to the Financial Ombudsman Service for an independent review. The Financial Ombudsman is an independent public body which aims to resolve disputes between consumers and businesses. The contact details are:

Telephone: 0800 023 4567 or 0300 123 9123
Email: complaint.info@financial-ombudsman.org.uk

The Financial Ombudsman Service
Exchange Tower
London
E14 9SR


Using our complaints procedure or referral to the Financial Ombudsman Service does not affect your legal rights.

The EC Online Dispute Resolution Platform
You have the option to register your complaint using the European Commission Online Dispute Resolution (ODR) Platform. This is a web-based platform that is designed to help consumers who have bought goods or services online to deal with issues arising from that purchase. Complaints submitted to the platform will be dealt with by approved ADR providers. You can access the platform at the following website address: http://ec.europa.eu/consumers/odr/

Your credit score is calculated using the details in your credit profile and will normally range from 0 to 710 depending on the credit reference agency you use to view your credit report.

The higher your score, the easier you should find it to borrow money or buy goods on credit. A high score also means you're more likely to be able to get better deals with lower rates of interest.

Your MyCreditMointor credit score is produced by TransUnion and will range from 0 – 710.

Each lender calculates their own score for you and they may take into account other information, such as details their organisation already holds about you, or your employment circumstances. Your score can change depending on who you want to borrow money from.

Your credit rating will be from 1 to 5 stars. It's based on how you compare to the rest of people who also use credit in the UK. People with the top 20% of credit scores in the UK will get a 5 star rating, with the rest of the ratings based on segments broken down by a further 20% each time. So, a 1 star rating will be given to people who have the bottom 20% of UK credit scores.

No, checking your own credit report does not impact your credit score.

It's not possible to say what a "good" credit score is as it's different for every lender. Lenders will take lots of things into account when deciding whether to offer you credit, including your credit profile information and other factors such as:

• Information they already hold about you.
• Your employment status when you apply.
• Current earnings and outstanding credit.

You can see how your score compares to the rest of the UK by checking your credit rating, which gives you a rating from 1 to 5 stars.

A high credit score - typically anything from 604 to 710 - suggests that you are a low risk for failing to make payments, while a lower credit score - typically anything from 0 to 603 - can indicate to lenders that you carry more of a higher financial risk.

To understand more about your credit score and rating, see the FAQs 'What is a credit score?' and 'what is a credit rating?’

It could be for a number of reasons, as every lender is different. The best thing to do is contact the lender directly and ask why they have declined you.

There could be lots of reasons why your credit score is lower than you thought it would be, including:

• A credit history of less than 6 years, which is the period used to calculate your credit score. The shorter your credit history, the less information a lender has to base their score on.
• Any missed payments over the last 6 years.
• Holding very few credit accounts, as less credit history is available.
• Any Court Judgements or record of insolvency.
• Having a lot of un-used credit available, which could lead to a large debt if you used it all at once.
• Being very close to the credit limit on your accounts - in case you find it difficult to make payments.
• Not being on the Electoral Roll, or only being on it for a short period of time, may also have a negative impact.

For tips on how to improve your credit score click here.

Your score is a reflection of your credit history. It might be that you haven't used any credit for a while, so there won't be any information to show that you have a good history of paying off credit; this is one of the main factors lenders use to calculate your credit score.

Assets, such as your savings, don't have an impact on your credit score. In fact, the Data Protection Act means that a Credit Reference Agency is not permitted to hold this data.

click here for tips on how to improve your credit score.

One or two credit accounts that you don't often use can have a slightly positive impact on your credit score. However, if you have a lot of accounts that you don't use it can have a negative impact. This is because a lender may be concerned that you might use all the credit available to you at once, and get into difficulty managing the debt.

Credit management is the way you manage the money that you borrow from creditors; for example banks, store cards, mobile phone contracts and finance purchases. This information is held by credit reference agencies and makes up your credit profile. By monitoring your credit profile, you can also take action to improve your credit score or correct information that's wrong.

If you apply to borrow money or set up a contract, for example for a loan, a mortgage, a credit card or a mobile phone contract, the lender is likely to access your credit profile. Others companies with a valid reason may also do so. With MyCreditMonitor you’ll receive an alert to let you know when a company has looked at your credit profile.

A credit report is a summary of your financial background and status and gives an overview of your credit profile, including your credit score and rating. It's often used by lenders, such as mortgage and credit card companies, to make decisions whether to lend to you. Click here for further information of what's included in a credit report.

It helps you to see what might be impacting on your credit worthiness and allows you to check that everything shown about you is correct. Incorrect information could impact your ability to get credit. Having a poor credit profile can result in you being turned down for a loan or being charged a higher level of interest.

If you're unsure of what a credit score or credit rating is, see the FAQs

• What is a credit score?
• What is a credit rating?

Your MyCreditMonitor credit report is created by TransUnion, a UK Credit Reference Agency. It contains a summary of your financial background and status.

You can view your report as many times as you want throughout the duration of your MyCreditMonitor membership.

Your credit report is confidential. Only you, TransUnion (the Credit Reference Agency) and our accredited service team can see details on your credit report. All those with access to your credit profile information are only allowed to view it with your permission and only because we are doing so to help you. We do not share your information with anyone unless compelled to do so by law.

Lenders usually look at the last six years of your credit history. Your printed Credit Reports will show you two years� worth of your credit history. You can see the full six year view when you look at your credit report online.

Yes it will, if it was within the last six years. This is because your credit profile includes six years� worth of payment history. Late payments will have a negative impact on your credit score.

If you have a County Court Judgement (CCJ), this will be clear on your credit report. The CCJ will remain on your credit profile for six years, although if you have paid it off it will be marked as 'satisfied' and lenders will see that you've settled that debt.

The CCJ can only be removed if it is paid in full within one month of being issued.

If you think the CCJ has been made in error, you should contact the County Court that raised the judgement - this will be on your credit report. You can find the Court's contact details either by searching online for them or by giving us a call on 0344 381 4163. We can't get the judgement removed for you, but we'll help you get in touch with the right Court.

Yes, we keep a record of the Credit Reports you have received since being a member of MyCreditMonitor. You can access your old credit reports online by logging into your account and selecting ‘view my credit report’.

Of course. As a member of MyCreditMonitor, you have full access to a dispute service which will help to correct anything you think could be wrong on your credit profile. We can't make the changes ourselves, because your credit report is made up from information that TransUnion (the Credit Reference Agency) hold about you. But we can help you through the steps you might need to take to put things right. If you have found something that's wrong on your credit report call us on 0344 381 4163.

You can choose to get your alerts either by email or by text message. You can also view all your alerts online when you sign in, by clicking on My Alerts. You can change your alert preference any time.

We keep an eye on your credit profile so we can let you know if there are any significant changes that might affect your credit score. This way you can keep on top of your finances and check that you were expecting the activity.

We let you know about increases or decreases to balances, new credit accounts being taken out, missed payments and also settlements. We will always let you know if the activity has had a positive, negative or neutral impact to your credit score. If there hasn’t been any activity in a month, we’ll also send you an alert to let you know so that you can be sure we’re still monitoring your credit profile.