Your credit file contains all your financial information, including repayment history, current debt, commercial and personal loans applied for and other details to help lenders assess risk when giving you credit. Here are the details contained in a credit report:
- Personal information. Your name and date of birth, your current address, where you work, your driver’s license details and your gender are listed in your credit file.
- Default notes. This is information on any overdue debts you might have, payments you’ve missed on loans and utility bills and other serious credit infringements.
- Information that is public record. This section will contain any information that is held in the public record including bankruptcy notes, court writs and judgments, personal insolvency agreements and directorship or proprietorship information.
- Consumer credit information. This includes credit applications you’ve made in the last five years (whether they were approved or not), the type of those credit accounts, such as credit card or personal loans, account open and close dates, the credit limit of the accounts, your monthly repayment history on credit accounts and details on overdue accounts.
- Commercial credit information. Details of credit enquiries you may have made for commercial purposes and overdue commercial credit accounts are included in this section.
- Joint applicants. If you’ve applied for any loans or credit cards as a joint borrower this will be listed on your report.