Mortage Application
Credit Reports

What information is in a credit report?

Each credit reference agency holds slightly different information about you, so it’s worth checking for a more accurate picture.

Generally, your file will include:

Name, address and date of birth
Some search footprints on your file, such as credit applications
Financial links to other people – for example, a joint loan or bank account
Any late/missed payments or defaults
How much money you owe to lenders
Any County Court Judgments (CCJs)
If you have been declared bankrupt or entered an IVA (Individual Voluntary Arrangement) Debt Arrangement Scheme (DAS), Debt Management Plan (DMP) or a Trust Deed (TD) – Scotland.It won’t include the following information:
Your salary
Student loans
Criminal record

Remember to check

Remember to check for any errors or fraudulent activity as this must be corrected or removed and the report updated.

Here are some agencies

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