What information will be shown on my credit report?
When you sign up to Credit Expert you’ll recieve full acces to your experian credit report. This will contain the following information:
- Your payment history – usually shows credit card and store card accounts, loans, mobile phone accounts and some bank accounts which are reported about you every month to the credit reference agency – in some detail including lender names, how you have kept payments up over the last 4 years on each account, credit limits, balances, account start dates and much more
- Court actions (judgments and decrees) recorded against you over the last 6 years
Insolvencies (bankruptcies, sequestrations, trust deeds, individual voluntary arrangements and more) recorded against you over the last 6 years - Searches – lists those organisations that have looked at your credit report over the past 2 years
- Your Electoral Roll Information
- Financial Associations – displays third parties who you are known to be financially linked to you
- Fraud Warnings – identifies if any fraudulent attempts have been made to apply for credit from your address.
- Notice of Correction/Dispute – any recorded issues still showing on your credit report.
- Details of any addresses that are known to be linked to you
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