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.