For the complete documentation index, see llms.txt
For the complete documentation index, see llms.txt
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Credit Judgement and Litigation Check: Unable to Verify / No Records Found (UK)
When a UK **credit judgement and litigation check** shows **unable to verify** with **no records found at all**, it means that using your **full name, date of birth, and address history**, there were **no matching credit, insolvency, or court records** identified in UK databases.
## Why this can happen
This can be due to:
- You **recently moved** to your current address (or **into the country**), making it difficult to find a match at the new address.
- An issue with the **format of the address** provided, which can prevent a match.
- You **don't have any credit history**.
## What the check looks for
The check searches the **past six years** for information linked to your details, such as:
- **Insolvencies**
- **County Court Judgments (CCJs)**
## "No records found" vs. "clear"
If nothing at all is found under your provided identifiers, the report will return **"Credit records could not be found."** This is **different** from having a record that is simply **clear**.
