CreditRatingMatters.co.uk relaunches with full package

Dec. 17, 2009 - PRLog -- CreditRatingMatters.co.uk relaunches with full package
Site offers comprehensive protection from identity fraud

17th  December 2009
London

CreditRatingMatters.co.uk has been relaunched to offer members better protection against identity theft and identity fraud.

Claire Patterson of CreditRatingMatters.co.uk said:

“Identity fraud and identity theft is a serious threat in the UK. The latest government figures show that one in four people in the UK have been affected by identity fraud or know someone who has, and most of the time, identity theft happens because the victims do not know the risks or the methods of keeping their details – and their credit – safe.

“CreditRatingMatters.co.uk is dedicated to providing its members with better protection, and to improving public knowledge about identity crimes. The relaunched site means that we are now better equipped to achieve these things, with better consistency with other Adaptive Affinity sites, as well as a comprehensive protection package that responds better to the varied needs of our members.”

Identity theft or identity fraud is where an individual’s details, such as name, address or bank codes, are stolen by another and used to fraudulently obtain credit, in the form of a credit card, loan or overdraft. An identity thief could access the victim’s existing credit card or bank account, or take out new ones and use them.

CreditRatingMatters.co.uk is now fully equipped to help members deal with the threat of identity theft. The site has been rewritten to ensure consistency with other programme sites owned by its operating company, Adaptive Affinity. This is in an effort to ensure that a high standard of service is provided to all of Adaptive Affinity’s members.

Additionally, CreditRatingMatters.co.uk now offers a full package of protection against identity theft. Members can now obtain their credit report, credit score, and 24/7 identity fraud alerts all provided by Callcredit, on their accounts to help defend their credit against thieves and fraudsters.

Though this package is comprehensive, CreditRatingMatters.co.uk has gone one step further in providing help for members worried about identity fraud. Though access to a credit report and fraud alerts can help members gain peace of mind, it is still more useful to be able to speak to an advisor on the phone. CreditRatingMatters.co.uk is now proud to work with Callcredit which provides members with a dedicated fraud team who can be contacted with questions and comments for added satisfaction.

With other credit products, this kind of package is available but each part must be paid for separately. CreditRatingMatters.co.uk offers the full package for one simple price, providing better value for money for its members. When members sign up they will also receive the first 10 days absolutely free, meaning that if they are not completely satisfied with their service during this period, they can simply cancel and not be charged.

The effects of identity theft are serious and difficult to resolve. It can take months to rectify the damage done by an identity thief, and in that time, victims may not be able to access the funds they need to keep up payments on mortgages or household bills. Therefore, it is far easier to stop identity fraud from happening in the first place than try to rectify it afterwards.

As well as the protection from identity theft afforded by membership of CreditRatingMatters.co.uk, there are other benefits to obtaining a credit report and credit score. A credit report shows a consumer’s credit history, including details of outstanding debts on loans, credit cards and overdrafts, as well as late payment of utility bills and County Court Judgments. The consumer’s credit history is used to calculate a credit score, which is a value used by lenders to determine the risk of lending to that consumer. This, in turn, affects whether or not a consumer can access more credit from lenders, or how much credit they can obtain, the repayment profile and the interest rate offered.

Knowing your credit score is an important part of responsible borrowing. As well as a credit report showing up any debts a consumer does not recognise, meaning that there may have been a case of identity theft, knowledge of a credit score can help in keeping that credit score healthy. This, in turn, will help to obtain cheaper mortgage rates, larger credit card limits, and other forms of credit such as personal loans. Obtaining regular credit reports with credit scores can help members keep track of their borrowing and repayments, meaning that they are less likely to take out credit that they cannot afford from unethical lenders, and less likely to have applications for credit declined.

To see all of our latest discounts and savings please visit http://www.creditratingmatters.co.uk.  To learn more about Credit Rating Matters, please contact us at 0845 026 1093.

Details about Adaptive Affinity can be found at http://www.adaptiveaffinity.com