Rightly’s free credit reference checker gives power to the people, says THE CRUSADER

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With the countdown to Christmas underway and concerns about credit and finances at an all-time high, the check takes just a few minutes. Decisions based on credit reference agency (CRA) data affect most of the adult population of the UK. Many though still don’t understand what’s in their file, what their rights are, or the fact that their statutory report is now free.

Rightly says this matters, because:

  • Information from credit files was critical in deciding over £50 billion in lending in 2018.
  • Around 80 percent of adults in the UK hold at least one credit or loan product.
  • A 2016 survey that 96 percent of lenders in all sectors use credit reference agencies – and just under 48 percent use two or three agencies regularly.
  • One third of adults facing financial difficulties over lockdown borrowed to make ends meet since the beginning of the pandemic.

++ If you’ve been affected by this issue or feel you’ve been a victim of injustice, please contact consumer and small business champion Maisha Frost on [email protected] ++

Rightly’s founder, Tom Andrews, explains: “Our users tell us that there is still an enormous amount of confusion about how credit files work and what your options are if you get turned down for lending. That’s why we want to empower people to take control of their credit file.


“When the sales end and Christmas is over, all indications are millions of people will need to borrow money in the year ahead. But even small loans can be rejected due to credit file problems.

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“We’ve simplified the process, so you can contact all the major credit reference agencies in one go, in just a minute or two – and we’re the only service that does this for free.” Visit here.

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