Because Credicorp lends to the company with no director personal guarantee, we do not hold extensive personal financial data on individual directors. Even so, directors should understand that their information is publicly visible at Companies House, and fraudsters exploit that data to impersonate directors or target their businesses.
What is publicly visible and why it matters
Companies House publishes your full name, month and year of birth, nationality, and country of residence. Fraudsters use this information to construct convincing impersonation attacks — for example, calling your finance team and pretending to be you to authorise a payment or request a drawdown.
Steps directors can take
- Apply for a registered address service if you use your home address as a director's service address — this keeps your personal address out of the public register.
- Suppress your home address through Companies House's address suppression process if it was submitted historically.
- Establish internal controls so that no payment or account change can be authorised by a single voice instruction alone; require a written confirmation via a second channel.
- Monitor your credit profile through a commercial credit reference service so you receive alerts if new credit applications are made in your company's name.
Internal verification protocols
Brief your finance and operations staff on impersonation fraud. A simple rule — call back any payment instruction on a known number before executing it — catches most attempts.
We lend only to UK limited companies and LLPs, and the loan is to the company with no director personal guarantee. As business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or FSCS.
See also: What will Credicorp never ask me for?, What are the safe ways to make repayments to Credicorp?.