Creditsafe Verify

Comprehensive Individual Screening

Check for CCJs, insolvencies, deceased status, and address history with just a name, DOB, and address, all in a single search.

Trusted by more than 200,000 companies worldwide...

Panasonic
Stripe
RightMove
DPD
RedBull

Make confident credit decisions by evaluating the financial stability of key individuals

Screen Individuals, Sole Traders, and Company Directors for Financial Risk

When you’re assessing individuals, sole traders, or directors, you need deeper insight to make informed decisions.

With just a name, date of birth, and address, you can instantly screen an individual for County Court Judgments (CCJs), insolvencies, mortality records, and verify their residency via the UK electoral roll.

Whether you’re dealing with a sole trader, a company director, or an individual customer, Verify gives you a full view of the person behind the business, or the individual in question.

Verify - Enhanced Credit Report

Screen individuals instantly with trusted UK data sources

Registry Trust
MiExact
UK Councils
GOV.UK
Woman in yellow verified on the Electoral Roll

Electoral Roll

Confirm where someone lives, directly from the UK electoral roll.

Verify uses official electoral roll data to verify that an individual resides at the address they’ve provided. This is a key step in confirming identity and reducing the risk of impersonation or fraudulent applications. Whether you’re processing a credit application, onboarding a new customer, or conducting due diligence, a residential match builds trust and strengthens your compliance process.

County Court Judgments

Uncover past financial issues before they become your problem.

Verify searches the official County Court Judgment (CCJ) Register to see if the individual has any unresolved judgments against them. CCJs can signal poor payment history, ongoing disputes, or unresolved financial obligations, all of which are vital when assessing risk, granting credit, or entering commercial agreements.

Man in yellow with a County Court Judgment
Gravestone representing the Deceased Register

Mortality Register

Prevent fraud by checking if the person is listed as deceased.

Verify cross-references individuals against the UK mortality register to verify they are not recorded as deceased. This check plays a critical role in fraud prevention, especially in credit applications, identity verification, and compliance-sensitive environments.

Individual Insolvency Register

Know if the person is bankrupt or subject to debt restrictions.

Verify searches the Individual Insolvency Register to see if the person is bankrupt, in an Individual Voluntary Arrangement (IVA), or under a Debt Relief Order (DRO). These legal restrictions are critical to understanding someone’s financial standing and their ability to take on further obligations.

Woman in yellow on the Individual Insolvency Register

Ready to Verify an individual?

Start screening now with just a name, DOB, and address.

Verify gives you clarity on the financial standing of decision-makers and individuals

  1. Approve more customers with greater confidence.

    Make smarter choices and grow your customer base by approving businesses that may have been declined due to limited financial history, all while effectively managing risk.

  2. Minimise the risk of fraud.

    Reduce the risk of impersonation or identity fraud by easily verifying that individuals are alive and properly registered on the electoral roll.

  3. Spot financial concerns instantly.

    Make more precise decisions about individuals with a history of financial mismanagement, including County Court Judgments (CCJs), insolvencies, debt relief orders, or voluntary arrangements.

  4. Streamline additional consumer checks.

    Save time and simplify your due diligence by effortlessly conducting affordability assessments and consumer checks (with consent) at the touch of a button.

Frequently asked questions about Verify comprehensive individual screening

Can a County Court Judgment (CCJ) affect a Business Credit Score?

A County Court Judgment (CCJ) can severely impact a company’s credit score. When a CCJ is issued, it can lower the business’s credit score, making securing loans or obtaining favourable credit terms from suppliers more challenging. If the CCJ is not paid within 30 days, it will stay on the business's credit report for six years, significantly affecting its reputation and financial opportunities.

Pro Tip: Using tools like Creditsafe Verify can provide an added layer of insight by not only identifying CCJs issued against the company but also flagging judgments against its directors and owners. This helps businesses make informed decisions when deciding whether to do business with a company.

Can I see if a company director has filed for bankruptcy?

Yes, you can check if a company director has filed for bankruptcy or insolvency by looking at their Creditsafe company credit report.

Pro Tip: A Verify enhanced credit report will flag any bankruptcies or insolvencies listed against the directors and other individuals involved with the business.

Can I see if a company has any loans or credit cards?

Yes, a company credit report can indicate whether a company has borrowed money in the past, including payment defaults and County Court Judgments (CCJs).

Pro Tip: A Creditsafe report with CCDS data will also summarise financial agreements (including loans, credit cards, and overdraft facilities) on small to medium-sized companies using data from banks and other lenders.

Can I search for a director's home address?

No, a director’s home address is not publicly available. While directors must provide their home address to Companies House; it is kept private and is not displayed on the public register. Only the correspondence (service) address is visible to the public.

Pro Tip: Creditsafe Verify provides verification that the directors' home addresses are present on the electoral register. This provides an additional layer of confidence that a director is genuine and registered at a UK address.

How can I Verify if a Company Director is Deceased or Alive?

Creditsafe can verify that all company directors and other key individuals are alive and reside at a UK address. Creditsafe screens company directors against the mortality register to help prevent identity fraud.

Can I see if a company defaulted on a loan or credit card?

Yes, a Creditsafe enhanced report will provide lenders with detailed information on company credit cards, loans and other financial agreements held by small to medium-sized companies. This includes credit card limits and current balances, defaulted payments, and overdraft usage.

Pro Tip: If you are a commercial lender, you can benefit from additional finance agreement data on small businesses by subscribing to the CCDS scheme.

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