- When the following words, in bold and with capital letters, are used in these Terms, this is what they will mean:
Credit File: the information our partnered Credit Reference Agency holds about you, which we describe in more detail in the “Your Credit File” section at paragraph 4 below;
Products: the Credibble products you may purchase from us and which are listed at paragraph 6 below as well as any other products you have purchased from us where we told you that these Terms apply;
Terms: the terms and conditions set out in this document.
Attorney: means the authority and power to act on behalf of another party in specific or defined circumstances;
Credit Reference Agency: means any agency providing credit reference and credit scoring and which We use to provide the Services;
- References to “we”, “us” and “our” in these Terms are to Credibble Limited. References to “you” and “your” are references to you, the person who purchases one of our Products.
Your contract with Credibble
These are the Terms on which we supply our Products to you.
When you purchase one of our Products, you are agreeing to these Terms which form a binding contract between you and us. We recommend that you keep a record of these Terms for your future reference.
Please read these Terms carefully as they contain legal rights and obligations. In particular, your attention is drawn to paragraph 16 below “Our liability to you”.
Once you have purchased a Product, it is important that you keep your contact details up to date in the “My Accounts” section of our website, in case we need to contact you in relation to any Product you have purchased or to notify you of any changes to these Terms. Changes to these Terms will take effect as indicated in any notifications we send to you from time to time, as set out in paragraph 19 below.
We are Credibble Limited, a company registered in England and Wales under registered company number 9511750 with our registered office at Rainham House, Manor Way, RM13 8RH.
We are authorised and regulated by the Financial Conduct Authority. Our registration details can be found on the Financial Services Register available on the Financial Conduct Authority’s website, https://www.fca.org.uk/register.
You may contact us by post by writing to: Credibble Limited, Rainham House, Manor Way, Rainham, Essex, RM13 8RH, or by any of the other methods described in the “Contact Us” section of our website available here Contact Us.
Your Credit File
In the course of providing you the Services, we will acquire and retain your data and, by virtue of this clause, you appoint us as Your Attorney, specifically and only for the purpose of obtaining all and any information required to provide the Services and in that capacity we shall agree to any specific Terms imposed by any of Our suppliers; and you undertake to take all action needed to verify this appointment if and when called upon to do so.
We retrieve information about you from our partnered Credit Reference Agency which is used by lenders and other companies to make decisions about (for example) whether they will offer you credit or not. This information is your “Credit File”.
Your Credit File includes information used to verify your identity, which may be collected from public sources such as the electoral roll.
Your Credit File also includes information relating to your financial standing, which our partnered Credit Referencing Agency may have received from companies with whom you have a current or historic relationship, such as banks, telecoms providers and utility companies.
Accessing your Credit File will allow you to view the information that third parties such as lenders may see about you and review your financial commitments.
We provide you with a copy of your Credit File as part of all our Products, which are listed at paragraph 6 below.
In order to fulfil your request for your Credit File, we will complete a search of the Credit Reference Agency consumer database. A record of this search will be visible on your Credit File for 12 months. The search will not be visible to other companies who may access your Credit File during this period.
The Accuracy of Your Credit File
As your Credit File is principally comprised of information collected by the Credit Referencing Agency from third parties, we have absolutely no control over whether the information provided to us is accurate, complete and up to date. This means that despite our obligations we do not assure you that the content of your Credit File will be accurate, complete or up-to-date.
If you consider that any entry in your Credit File is incorrect, you have a statutory right to request that the entry is amended or removed. If your query relates to a specific account, we suggest you speak to the account provider in the first instance. However if you would like us to raise the query with the account provider for you, please contact us with details of the entry that you consider to be incorrect and we will assist you in amending or removing the incorrect entry through our partnered Credit Referencing Agency.
We offer the following Products:
|Credibble.com Credit Builder||||Credibble score for an accurate creditworthiness rating. Credit factors showing your detailed credit ratings. Credit analysis showing what lenders assess and how you rate. Personalised score booster to generate actionable credit improvements. Debt consolidation tool Balance transfer tool Equifax Credit Report Equifax Credit Score|
|Credibble.com Home buyer||
||Home buying report Home buying factors scores and improvements Home buying journey showing all the best actions towards buying a home Estimate time to purchase tool Credit powered mortgage calculator|