Your credit report contains your personal information and credit history. Some of the things that you’ll find on your report include:
- Accounts - Any open and closed accounts in your name.
- Personal information - Your date of birth, electoral roll information, your addresses and financial connections.
- Public information- Bankruptcies, County Court Judgments and individual Voluntary Arrangements etc.), and any protections you may have (i.e. CIFAS credit report protection).
- Corrections - Any current notices of correction on your report. These are notes added to your credit report to explain information on your report which is not necessarily wrong, but which might give lenders a misleading impression of you (for example, if you missed a payment because you were ill and couldn’t pay). If you’re not sure whether to add a notice of correction to your report, read our
- Searches - This is where you'll see any hard and soft searches on your report (for example, if you’ve applied for credit and a lender has looked at your report). To learn more on searches check out this .
If any of these factors change, so will your credit report. It is likely that your credit score will increase or decrease as a result.
For more information on credit scores and reports, take a look at our .