What information do lenders see on your credit report?

Surprisingly there’s actually not that much about you that is revealed to lenders when they conduct a credit search on you.

Aside from the obvious things like name, date of birth, and electoral roll information the following are typical of what’s shared with a lender;

• Any current overdrafts you may have.
• Public information records held against your name, like - CCJs (county court judgements), or even bankruptcies going back 6 years.
• Information about your financial behaviour - e.g if you’ve made any missed payments or late payments and how many times this has happened.
• Details of any hard credit searches carried out.
• Financial associations and links to other people.
• Fraud notifications - if you’ve been a victim through a CIFAS notification.
• Current credit accounts are also listed.

For more info on what lenders can see, set up and check out your credit profile. 

FAQs: Credit Profile