Your credit report contains your personal information and your credit history. Some of the things that you’ll find on your report include:
- Information about you:
- Full Name
- Current Address
- Previous Addresses
- Financial Associations
- Presence on the Electoral Roll (being registered to vote at your address)
- Bankruptcies, County Court Judgments (CCJs) and IVAs (Individual Voluntary Arrangements)
- Credit account information:
- How much you owe
- Whether you have paid on time
- The age of the account
- Any ‘credit application’ searches carried out on your report
- Any fraudulent activity
These factors make up your credit report and if they change, your report will also change. It is likely that your credit score will increase or decrease as a result.
For a full explanation of credit reports and score, take a look at our Learn section.