This article is for general information only. It is not financial advice and does not recommend a specific lender or product.

June is a reasonable moment to check your credit file. Two events this month are worth being aware of if you have any connection to motor finance or payment accounts.

What happened in June 2026?

Two separate FCA actions are relevant to people checking their credit files this month.

Motor finance claims management investigation. The FCA opened an enforcement investigation into Consultation Claims Limited (CCL), a claims management company, over concerns that consumers may have been signed up to make motor finance claims without their consent during April to December 2025. If you received unsolicited contact about a motor finance claim in that period, it is worth checking whether any hard searches appear on your credit file that you do not recognise. An unexpected hard search can affect your credit score.

Monevium enters special administration. On 18 June 2026, the payment services firm Monevium Ltd entered special administration. If you held a Monevium account, check how your account is recorded on your credit file. Accounts connected to firms in administration can sometimes appear with inaccurate statuses. A wrongly recorded default or missed payment can affect future credit applications.

Both of these are situations where an error on your file could appear through no fault of your own.

Why does it matter?

Lenders use the information on your credit file when they decide whether to lend and at what rate. An error, such as a default that was not yours or a hard search you did not authorise, can make borrowing harder or more expensive. Spotting and correcting errors takes time, so the sooner you find one, the better.

Who may be affected?

  • Anyone who was contacted about a motor finance claim between April and December 2025, whether or not they agreed to proceed.
  • Anyone who held a Monevium payment account.
  • Anyone who has not checked their credit file in the last three to six months and wants to make sure it is accurate before applying for credit.

What can you do this month?

Checking your credit file is free. You do not need to pay for a subscription to see the information held about you.

You can request your statutory credit report from each of the three main UK credit reference agencies:

  • Experian, check via their website or the free MSE Credit Club service.
  • Equifax, check via their website or the free ClearScore service.
  • TransUnion, check via their website or the free Credit Karma service.

When you check, look for:

  • Hard searches you do not recognise (particularly from late 2024 or during 2025 if you were contacted about motor finance claims).
  • Accounts listed in your name that you did not open.
  • Missed payments or defaults recorded against an account where you believe you paid on time.
  • Any account from a firm that has entered administration, listed with an incorrect status.

If you find an error, you can raise a dispute directly with the credit reference agency. Under UK data protection law, they are required to investigate. MoneyHelper has guidance on how to do this (see Sources).

What to read next

For a full explanation of how credit files work, what credit reference agencies record, and how to dispute errors:

Sources

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