Credit reference agencies can hold the following information about you:
1. Personal details:
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- Full Name
- Current Address
- Previous Addresses
- Financial Associations
- Presence on the electoral roll (being registered to vote at your address)
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2. Bankruptcies, County Court Judgments (CCJs) and IVAs (Individual Voluntary Arrangements)
3. Credit account information:
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- How much you owe
- Whether you have paid on time
- The age of the account
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4. Any ‘credit application’ (or hard) searches carried out on your report
5. Any fraudulent activity.