A membership programme allowing access to credit reports provided by Callcredit
Welcome to High Credit Score, a membership programme providing access to the tools you need to monitor your credit information, including access to your Callcredit credit report.
Members of the High Credit Score membership programmes can benefit from the Special Offers available.
The Information Centre provides information to keep you updated with market information.
Annual Percentage Rate. The yearly cost of a loan, including fees and interest, expressed as a percentage. APR is often applied to mortgages, credit cards and financing.
TopThe transfer of debit or the balance from one credit card to another. This is usually done to minimise the interest being paid.
A budget is a financial plan. This is a list of estimated expenditures and incomings during a future time period.
TopCIFAS, the UK’s fraud prevention Service are a non profitable organisation dedicated to the prevention of financial crime.
A binding agreement between two or more parties.
An order made in England and Wales by a County Court for debt to be repaid.
A record of a person's past borrowing and repaying behaviour, which reflects that person’s ability to pay back credit.
A card issued by a bank or financial institution that allows people to purchase goods or services from a merchant on credit or deferred payment terms.
A detailed report of an individual’s credit, employment and residence history prepared by a Credit Reference Agency. Used by lenders to determine credit worthiness.
An agency that researches the credit history of consumers so that creditors can make decisions about granting of loans and/or credit.
A measure of credit risk calculated from a credit report using a standardised formula. Factors that can damage a credit score include late payments, absence of credit references, and unfavourable credit card use. The score or rating can be displayed as a number range and a star rating depending on the scale of measurement used.
TopA card, connected directly to a bank account, which allows a person to access their funds immediately, electronically.
TopThe electoral roll is kept at your local county council. By registering with the Electoral Roll you enable yourself the right to vote.
This then identifies you as;
The management of money and assets.
A person’s monetary activity, which includes activities in relation to banking, credit applications, financial contracts (such as a mobile phone contract) and accounting.
A budget, a plan for spending and saving future income. This plan allocates future income to various types of expenses, such as rent or utilities, and also reserves some income for short-term and long-term savings
A deception deliberately practiced in order to secure unfair or unlawful gain.
TopA crime in which a person's confidential, personal information is stolen for the purpose of criminal use.
The percentage of a sum of money charged for its use.
TopA person who makes funds available to other persons for borrowing.
An arrangement in which a lender advances money to a borrower, and the borrower agrees to repay the money, usually along with interest, at some future point(s) in time.
TopA loan to a borrower enabling that borrower to purchase land and/or property, which is secured against that and/or other land or property.
TopThe act of sending an e-mail to a user falsely claiming to be an established legitimate enterprise in an attempt to scam the user into surrendering private information that will be used for identity theft.
A payment card (usually MasterCard, Maestro, Visa Electron or Amex), pre-loaded with your own money, which you can then use wherever the payment card is accepted, including on the internet and abroad.
TopGiving a score or an opinion about the worth of information given.
TopTo victimise, to deprive or to deceive another person or organisation.
Much like a credit card, a retail store embossed card can be used to purchase items in that store only and then paid for on deferred terms, usually with interest.
Spyware is any technology that aids in gathering information about a person or organisation without their knowledge. On the internet (where it is sometimes called a spybot or tracking software), spyware is programming that is put in someone's computer to secretly gather information about the user and relay it to advertisers or other interested parties. Spyware can get in a computer as a software virus or as the result of installing a new program.
TopA person who is unfortunate enough to suffer from adverse circumstances.
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