What Is a Background Report?
A background report provides comprehensive due diligence information about an individual, compiled from multiple fully compliant data sources. This service is discreet and confidential — no footprint is left on credit files and no CRA search is conducted.
Unlike credit reference agency (CRA) checks, our background reports do not leave a search record that could affect credit scores or alert the subject. This makes them ideal for asset verification, due diligence, and any situation where discretion is paramount.
Discreet • Confidential • No Footprint
Data from fully compliant sources. Not from a CRA. This service is intended for circumstances where a legal exemption to the Right to be Informed applies, such as the prevention of fraud, debt recovery, or in contemplation of legal proceedings.
What's Included
Our comprehensive background report includes:
- Edited Electoral Roll - full names of all voters at the address and length of occupancy
- CCJ search - full details of any County Court Judgments registered against the subject at the address
- Insolvency data - bankruptcies, IVAs, and debt relief orders
- Linked addresses - any associated or connected addresses discovered
- Contact search - BT directory enquiry plus compliant mobile, landline, and email search from consented data sources
- Property registry search - whether the subject owns the property (solely or jointly)
- Directorship check - any exact matches for company directorships or business involvements at the address
When to Use This Service
Background reports are commonly used for:
- Asset checks - understand an individual's property ownership and financial position
- Due diligence - verify information about potential business partners or associates
- Litigation support - gather intelligence for legal proceedings
- Debt recovery - assess viability before pursuing collection
Lawful Basis
This search is available only where a valid lawful basis and a legal exemption to transparency (where applicable) exist under the Data Protection Act 2018, UK GDPR, and the Data (Use and Access) Act 2025. We require clients to indemnify us by confirming the purpose of the search is lawful, such as for the recovery of a debt, the prevention of fraud, or in contemplation of legal proceedings.
What We Need From You
To conduct a background check, we need:
- Full name of the subject
- Date of birth (if known)
- Current address or last known address
Turnaround Time
We aim to deliver your email report within 2 working days.
Frequently Asked Questions
We do not use credit reference agencies, so no search record is created that could alert the subject or affect their credit file. No footprint is left on any CRA database. See also: "Can the subject find out about the search?" below.
Our checks will often reveal discrepancies between what a subject claims and reality. We can identify undisclosed addresses, CCJs, directorships, and other information that may have been concealed.
A credit check through a CRA (Credit Reference Agency) leaves a visible "footprint" on the subject's credit file and may require their consent. Our background reports use alternative compliant data sources, leaving no footprint and requiring no consent from the subject — making them ideal for discreet due diligence.
Yes. All data we access comes from fully compliant sources and our searches are conducted in accordance with the Data Protection Act 2018, UK GDPR, and the Data (Use and Access) Act 2025. You will be asked to confirm your lawful basis for the search when placing an order.
While we do not leave a footprint on credit files, individuals have a statutory right to request a copy of their personal data held by any organisation (a Subject Access Request). We may withhold information about a search only where a specific legal exemption applies, such as for the prevention of crime, the recovery of a debt, or where legal professional privilege or litigation privilege applies.
Need to Verify Someone's Background?
Contact our team to discuss your requirements. We deliver thorough, accurate reports.