Credit & Liabilities Data

Estatesearch are the first organisation to provide creditor & personal liability data to assist with the collation of a Person’s property and financial affairs in Estate Administration (Bereavement) or Deputyship (Mental Capacity) cases.

Developed in conjunction with industry professionals, the Credit & Liabilities Search queries credit bureau records through a strategic partnership with global information services company, Experian.

The compiled Estatesearch Credit & Liabilities Search provides an efficient and reliable alternative to placing statutory Section 27 Notices and helps you build a technology led due diligence process.  Estatesearch provides reliable data for due diligence and unbeatable insurance protection in 48 hours.


UK creditor data of 72 different account types from over 560 organisations.

  • Secured - Examples include

    • Mortgages (Including Buy To Let, Shared ownership, second & Offset)

    • CML member notices (Possession order, Voluntary surrender & Arrears move)

    • Hire purchase/Conditional sale

    • Finance lease

    • Pay Day Loans

    • Tax (HMRC)

    • Court Actions

    • Child Maintenance

    • More....

  • Unsecured - Examples include

    • Bank accounts

    • Unsecured loan (personal loans etc)

    • Credit card/Store card

    • Mail Order

    • Utilities (broadband, gas, water, electric, etc)

    • Card & Mortgage Payment Protection

    • Consolidated Debt

    • Student loans

    • Fines

    • Gambling

    • More.....

Other Features

  • Previous address history

  • Financial connections

  • Solvency warnings, Bankruptcy, Individual Voluntary Arrangement (IVA) / County Court Judgements (CCJ)


  • House insurance

  • Car Insurance

  • Life insurance

  • Health insurance

The Report includes an Unidentified Creditors Warranty, covering liability for financial claims made after distribution by creditors not identified in your due diligence or in the Credit & Liabilities Search.

This Search is available separately, , or is automatically included in Financial Profile Standard or Financial Profile Premium.

ExPin – Experian’s Consumer Match Key

The use of the ExPIN technology in the Estatesearch solution has improved the accuracy of matching records for a person who either Lacks Mental Capacity or is Deceased.

ExPIN uses over two billion pieces of reference information from a huge range of sources and uses this data to assign a Unique Personal Identification Number) called an ExPIN Match Key to every consumer in the UK. Thats around 99.9% of the UK Adult population.

Consumer credit account information sharing (CAIS) members contribute data on all their customers’ credit accounts and account behaviour over the last six years. Experian processes data from over 600 sources including banks, lenders, insurers, and utility and telecoms companies (virtually every major lending organisation in the UK).

Data is loaded for over 500 million pieces of data every single month, making CAIS the largest source of UK consumer credit commitments.

Even though the records are for the same person, there are variations in names and addresses, misspellings, or inaccurate dates of birth, as well as the use of different formats, means the data items might not be an exact match.

Experian have developed their own highly accurate matching capability within ExPin, using over 30 years’ experience in matching data sources. 25% of reference information sources are refreshed each month, to continually re-evaluate and maintain the accuracy of matching decisions and linking customer identities together to provide confident, consistent, consumer data matching.

How EXPIN works in Practice with Estatesearch

The “Professional Advisor” inputs the details of the person they wish to carryout a search for.

  • Last Known Name

  • Last Known Address

  • Date of Birth

The Experian ExPin service links the input data to a the ExPIN Match Key previously allocated for the person.

Estatesearch then receives back a copy of the Consumer credit account information sharing (CAIS) file with the data associated to the PIN (Personal Identification Number) and LIN’s (Location Identification Number) for the person being searched.

The PIN will be linked to Multiple LIN’s and account information sources.