Credit Report FAQ
What is in a credit report
A credit report typically shows your name and both current and previous
known addresses. Any changes to your name, such as through marriage, may be shown. A
credit report can list your current credit agreements with banks, mortgage lenders, store
cards, and credit cards. How you repay your credit, and the outstanding credit balances
can be shown. Your credit records can show if you have defaulted on any credit agreements,
paid late, acquired any county court judgments, or Scottish Decrees, or been the subject
of bankruptcy.
If an organisation has made a search, a record will be shown on your
credit report but only the organisation concerned knows whether your application was
accepted or refused. A credit report does not show whether you have been accepted or
turned down for credit.
Information which does not appear on your credit report
includes:
Savings accounts
Employment records
Student loan information
Pension details
Salary details
Property status
Credit ratings or credit scores
Council tax payments
Criminal records
Child Support Agency information
Payment information is provided by lenders. However, not all your
payment information may appear on your credit report. Some organisations only provide
details of accounts where payments are behind. If you have not fallen behind with your
payments, this may explain why the credit agency does not hold information on the account,
or the organisation in question may not provide account details to the credit reference
agency.
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