What’s in your credit report?

July 30, 2018

In the UK, there are three main companies that hold information on how well you manage credit and make your payments. They are:

 

Your credit report typically holds the following information:

  • A list of all your credit accounts.They will show whether you have made repayments on time and in full. Items such as missed or late payments will stay on your credit report for at least six years, as do court judgements for non-payment of debts, bankruptcies and individual voluntary arrangements.
  • Details of any people who are financially linked to you, which means you’ve taken out joint credit.
  • Your current account provider, but only details of overdrafts.
  • Whether you are on the electoral register.
  • Your name and date of birth.
  • Your current and previous addresses.
  • If you’ve committed a fraud or someone has stolen your identity and committed fraud.

 

All three credit agencies have a statutory obligation to provide you with your credit report. Experian and Equifax charge £2 for this while Callcredit (Noddle) provide it for free. All offer other paid for services so it’s worth checking out their websites at the links above to see which is best for you.