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WHAT INFORMATION IS CONTAINED IN A CREDIT REPORT?

Credit references agencies – the largest in the UK is Experian – collate information about your financial background and past behaviour and format this data into your unique credit report.

Click here to see your Experian credit report online for FREE

Lenders see this information when they decide whether or not to offer you a loan, mortgage or credit card. It influences their assessment of the likelihood that you will repay them.

Information comes from two main sources:

  • Public records, such as court judgements, individual voluntary arrangements and bankruptcies. Your credit report also shows whether you are registered to vote – lenders use this as a precaution against fraud, to check that you are who you claim to be and live where you say you do.
  
  • Information from lenders and financial institutions, such as records of the number of loans you have and whether you have ever missed a repayment.


House Exchange UK covers Council House, Housing Association, and Mutual Exchanges in the following areas:

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