On the whole, your credit report should reflect the information that a lender would take into consideration but there are some differences:
>Lenders may see electoral roll details of everyone who is currently registered at your address.
-Your report will only show your name and the dates you have been registered.
>If you have court judgments you will be provided with the court and case number but lenders will not.You will see which organizations provided the credit reference agency with information.
-For example, if you have a credit card, the name of the credit card provider will be shown but the lender will only see the type of organization that provided the information e.g. bank.
>Only full credit applications should be seen by lenders whereas you will be provided with all searches made of your credit report.
-These may be called “unrecorded inquiries , “identity searches” and a record of the fact that you have looked at your credit report.
>One important difference is that lenders may see the credit report relating to anybody you have a financial connection with and take that information into account.
-You will only see a list of the people you have a connection with and only they can obtain a copy of their credit report. If a financial associate has had late payments in the past, this could affect a lending decision made about you.
>Not all agencies will provide you with the information held at linked addresses or other names you have been known by unless you provide these in your credit report application form.
-Lenders will be able to see these so it is important that you apply for your credit report with as much information about yourself as possible.
>Remember that not all organizations are entitled to see all the information held about you. Companies who are not part of the credit reference agencies account sharing scheme will not be able to see credit accounts provided by others.
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