A credit report is a snapshot of your own credit history and current financial status. It contains information about how well you have maintained your credit accounts and any recent credit applications you’ve made.
Your credit report will also include information, such as:
- Personal information (permanent Account Number (PAN), name, gender, date of birth), your address and employer information
- Credit account information: how much you owe and whether you have paid on time, the age of the account (including bonds, credit cards, store cards)
- Enquiries carried out on your account
Your report will not include information, such as:
- Current account information (unless you have an overdraft)
- Saving accounts
- Criminal record
- Medical history
Different credit reference agencies will hold slightly different credit reports on you, depending on when or who
Banks and lenders use your credit report when they decide whether to give you credit.
We at ClearScore use data from , who update your credit report and score once a month.
We give you access to your credit report and score for free, whenever you want to check it, so you can monitor changes over time and take control of your financial future.
It’s a good idea to regularly check that your report is accurate and up to date. This will help protect yourself from identity fraud and allow you to see the likelihood of being accepted for credit in the future.