Credit Reporting Agency Limited

Reference number: 690175

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When checkmyfile.com first appeared online, and whether it can receive email
  • What kind of line 01872 304050 is
  • Who else gives the postcode TR1 2LS
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Other names (6)

If you were contacted under any of these names, it is this firm.

  • Checkmyfile Trading name
  • Annualcreditreport.co.uk Former trading name
  • Checkmyarea Former trading name
  • creditreport.co.uk Former trading name
  • Givemecredit Former trading name
  • Scanmypost Former trading name

FCA permissions and consumer protection

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (3 permissions)
  • Credit Broking
  • Providing Credit Information Services
  • Providing Credit References

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
03719598
Company status
Active
Company type
Private limited company
Incorporated
25 February 1999 (27 years old)
Registered office
20 - 21 Lemon Street, Truro, TR1 2LS, England
Nature of business
  • Activities of credit bureaus (SIC 82912)

Directors and company secretaries

Name Role Born Appointed Other companies
Christopher James Stamp Director Apr 1978 25 Jul 2012 4 other companies
Andrew Neil Harland Director Jun 1979 24 May 2022 1 other company
Samuel Twyford Director Sep 1987 1 Aug 2024 2 other companies
Paul Anderson-Riley Director Sep 1991 1 Jun 2025 3 other companies
Paul Anderson-Riley Secretary Not published 19 Aug 2025 –

Other companies run by these 4 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
6
closed down
3
run together
3

In the full report: all 6 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 3 companies these 4 directors run together
  • All 10 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Full accountsAudited

Turnover

£33.8m

+13% from £29.9m

Profit before tax

£11.7m

+34% from £8.72m

Net assets

£9.30m

−8.8% from £10.2m

Cash at bank

£10.1m

+43% from £7.03m

Turnover and profit

In the full report: all 4 years of accounts

  • Every year from 2022 to 2026
  • Both charts, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

Accounts filed at Companies House for company 03719598. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Credit Reporting Agency’s history from the FCA register and Companies House, newest first.

Key events (13) All events (43)

2021

31 March 2021

  • Credit Reporting Agency (Bidco) Limited took control (75–100% of shares)
  • Credit Reporting Agency (Holdings) Limited gave up control

Companies House

2017

13 November 2017

  • Ann Marie Stamp no longer has significant control
  • Barry Kevin Stamp no longer has significant control
  • Credit Reporting Agency (Holdings) Limited gave up control
  • Credit Reporting Agency (Topco) Limited gave up control
  • Credit Reporting Agency (Topco) Limited took control (75–100% of shares)

Companies House

2016

6 April 2016

  • Ann Marie Stamp gained significant control
  • Barry Kevin Stamp gained significant control
  • Credit Reporting Agency (Holdings) Limited took control (75–100% of shares)

Companies House

2015

30 November 2015

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

1999

25 February 1999

  • Incorporated at Companies House

Companies House

In the full report: all 43 events

  • All 43 events in its history (13 shown here)
  • Every director appointment and resignation: 16
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Firms like Credit Reporting Agency

Other firms of the same type (credit broker), nearest first.

In Truro

EMD EventingTruroAppointed representativeLife on the Left ReinTruroAppointed representativeMelissa SmallTruroAppointed representativeMr Claude Gerald HolmanTruroAppointed representativeMr Stuart John Grigg and Mrs Elaine Margaret Grigg and Mr Philip Stuart GriggTruroAppointed representativeCornwall Farm Machinery LimitedTruroAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Credit Reporting Agency

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 6 other companies its directors have run, named
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 43 events in its history

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Frequently asked questions about this firm

Is Credit Reporting Agency Limited FCA authorised?
Yes, Credit Reporting Agency Limited (FRN 690175) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2015 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Credit Reporting Agency’s phone number and website?
The FCA register lists the phone number 01872 304050 and the website checkmyfile.com for Credit Reporting Agency. If you were given different contact details, use these to check with the firm before going any further.
Is Credit Reporting Agency a scam or clone?
Credit Reporting Agency is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Credit Reporting Agency?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Credit Reporting Agency handles your money, so check the specific product before you commit. You can also refer complaints about Credit Reporting Agency to the Financial Ombudsman Service, free of charge.
Who owns Credit Reporting Agency?
Credit Reporting Agency is owned by Credit Reporting Agency (Bidco) Limited, which holds 75–100% of shares and 75–100% of votes, since 31 March 2021. Before that, it was controlled by Credit Reporting Agency (Holdings) Limited, Credit Reporting Agency (Topco) Limited and Mr Barry Kevin Stamp.
Who runs Credit Reporting Agency?
Companies House lists 4 directors of Credit Reporting Agency: Christopher James Stamp, Andrew Neil Harland, Samuel Twyford and Paul Anderson-Riley.
How long has Credit Reporting Agency been in business?
The company was formed on 25 February 1999, and has held its current FCA authorisation since November 2015.
What do Credit Reporting Agency’s latest accounts show?
Its latest accounts, to 31 March 2026, show turnover of £33.8m (+13% from £29.9m) and profit before tax of £11.7m (+34% from £8.72m).
Does Credit Reporting Agency use any other names?
It trades as Checkmyfile. It has previously used 5 other names, including Annualcreditreport.co.uk, Checkmyarea and creditreport.co.uk.

Sources and links

The full report on Credit Reporting Agency Limited

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