What information is included in my credit report?

Your credit report provides a comprehensive summary of your credit history and financial activities. It includes details such as your personal information, including name, address, and date of birth. It also lists your current and previous credit accounts, such as credit cards, loans, mortgages, and utility bills. The report displays your credit utilization, which shows how much of your available credit you are using. Additionally, it indicates your payment history, including any missed or late payments, as well as records of any defaults, bankruptcies, or County Court Judgments (CCJs) against you. It also includes information on any financial associations you may have, like joint accounts or shared credit. Moreover, it reveals inquiries made by lenders when you apply for credit and keeps records of them. Lastly, public information like electoral roll registration, property ownership, and fraud markers are also featured. These details provide a comprehensive overview of your creditworthiness to potential lenders when assessing your eligibility for credit.