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The sample credit
report below gives an example of real credit
check with a credit score. |
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Sample credit report
results from a full credit
check.
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mortgage offer >> |
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The sample credit report below has been taken from a
real credit check.
The credit score has
been derived from the information presented in each
section of the report and is given towards the end. |
This example should help
you understand the format of a credit report and should
highlight some of the key activities within it.
You can keep a good credit
history by continuing to pay
accounts on time and not
falling into arrears or
making a lot of credit
applications in a short
time. If you move, make sure
that your name is added to
the electoral roll by
contacting your local
council.
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Profile
information. |
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Name: |
Mr John Smith |
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Date of birth: |
21/10/76 |
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People you are
financially
connected to: |
Mrs Jane Smith |
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Date of birth: |
14/02/78 |
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Present address: |
UK |
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Length of
Residency: |
0 years and 4
months. |
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Previous
Address: |
UK |
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Length of
Residency: |
9 years and 5
months. |
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Electoral Roll
Information. |
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The electoral
roll is a list
of the names of
all people
registered to
vote in
elections and
their addresses.
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Present Address
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Entry Number: |
E1 |
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Local Authority: |
UK CURRENT LOCAL
AUTHORITY |
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Address: |
UK |
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Names and Dates: |
No Names Listed
on Voters Roll |
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Previous Address
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Entry Number: |
E2 |
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Local Authority: |
UK PREVIOUS
LOCAL AUTHORITY |
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Address: |
UK |
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Names and Dates: |
Mr John Smith
10/2004 to
10/2006 |
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Electoral
roll
information. |
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Aliases are
created when
lenders tell
us of other
names you
have been
known by or
when you
tell us of
other names
you have
used. Your
credit
report will
include
information
recorded in
these other
names at the
addresses
you gave us
when you
applied for
your credit
report. |
No Data was
retrieved
for this
section.
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Financial
associations. |
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Financial
associations
show
details
of
anyone
you are
financially
connected
to.
Financial
connections
are
created
by joint
accounts,
joint
applications,
joint
court
judgments
or from
information
you have
given to
us. When
you
apply
for
credit a
lender
may take
into
account
financial
information
about
people
you are
financially
connected
with.
They
will
need to
request
their
own
credit
report
to see
the
information
held
about
them. |
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Entry
Number: |
L1 |
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Name and
Address: |
Mr John
Smith
UK
ADDRESS |
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Date of
Birth: |
21/10/76 |
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Associated
With: |
Mrs Jane
Smith |
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Date of
Birth: |
14/02/78 |
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Association
Source: |
Other |
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Association
Type: |
Association |
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Association
Confirmed
by: |
CREDIT
REPORT |
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Date: |
25/01/2009 |
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Entry
Number: |
L2 |
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Name and
Address: |
Mr John
Smith
UK
ADDRESS |
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Date of
Birth: |
21/10/76 |
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Associated
With: |
Mrs Jane
Smith |
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Date of
Birth: |
14/02/78 |
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Association
Source: |
Joint
Account |
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Association
Type: |
Joint
Application |
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Association
Confirmed
by: |
Yorkshire
Building
Society |
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Date: |
10/12/2006 |
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Entry
Number: |
L3 |
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Name and
Address: |
Mr John
Smith
UK
ADDRESS |
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Date of
Birth: |
21/10/76 |
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Associated
With: |
Mrs Jane
Smith |
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Date of
Birth: |
14/02/78 |
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Association
Source: |
Joint
Account |
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Association
Type: |
Joint
Account |
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Association
Confirmed
by: |
ABBEY
NATIONAL
PLC (ANCAS) |
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Date: |
24/07/2006 |
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Public
Records. |
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This
section
of your
report
contains
details
about
court
judgments,
bankruptcies
and
individual
voluntary
arrangements.
|
No Data
was
retrieved
for this
section.
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Account
information. |
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This
section
of
your
report
contains
information
about
any
current
or
previous
accounts
that
have
been
provided
to
Experian
by
lenders.
Accounts
are
kept
on
your
report
for
six
years
from
date
of
settlement
or
default.
A
status
history
is
included
against
each
account
showing
how
up-to-date
payments
have
been
made
to
the
companies
with
which
you
hold
accounts. |
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| Entry Number: |
C1 |
| Name: |
Mr John Smith |
| Address: |
UK Address |
| Date of Birth: |
21/10/76 |
| Company name: |
BARCLAYCARD |
| Account type: |
Credit Card / Store Card |
| Started: |
01/07/1994 |
| Most Recent Balance & Date: |
£521.43 07/01/2009 |
| Credit Limit |
£9,400 |
Status History:
(brackets indicate most recent status) |
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| Summary of Payment History: |
In last 36 months, number of status 1-2 is: 0 number of status 3+ is: 0 |
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| Entry Number: |
C2 |
| Name: |
Mr John Smith |
| Address: |
UK Address |
| Date of Birth: |
21/10/76 |
| Company name: |
NATIONWIDE BUILDING SOCIETY |
| Account type: |
Current Account |
| Started: |
14/05/2002 |
| Overdraft Balance: |
£0 |
| Credit Limit |
£750 |
Status History:
(brackets indicate most recent status) |
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| Summary of Payment History: |
In last 36 months, number of status 1-2 is: 0 number of status 3+ is: 0 |
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| Entry Number: |
C3 |
| Name: |
Mr John Smith |
| Address: |
UK Address |
| Date of Birth: |
21/10/76 |
| Company name: |
ABBEY NATIONAL MORTGAGES |
| Account type: |
Mortgage |
| Started: |
26/09/2006 |
| Most Recent Balance & Date: |
£100,499 02/01/2009 |
| Monthly Payment |
£593 over 324months |
Status History:
(brackets indicate most recent status) |
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| Summary of Payment History: |
In last 36 months, number of status 1-2 is: 0 number of status 3+ is: 0 |
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| Entry Number: |
C4 |
| Name: |
Mr John Smith |
| Address: |
UK Address |
| Date of Birth: |
21/10/76 |
| Company name: |
NEXT DIRECTORY |
| Account type: |
Mail Order |
| Started: |
26/01/1994 |
| Most Recent Balance & Date: |
£120 01/01/2009 |
| Credit Limit |
£2,200 |
Status History:
(brackets indicate most recent status) |
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| Summary of Payment History: |
In last 36 months, number of status 1-2 is: 0 number of status 3+ is: 0 |
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| Entry Number: |
C5 |
| Name: |
Mr John Smith |
| Address: |
UK Address |
| Date of Birth: |
21/10/76 |
| Company name: |
NATIONWIDE BUILDING SOCIETY |
| Account type: |
Current Account |
| Started: |
14/05/2002 |
| Overdraft Balance: |
£0 |
| Credit Limit |
£750 |
Status History:
(brackets indicate most recent status) |
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| Summary of Payment History: |
In last 36 months, number of status 1-2 is: 0 number of status 3+ is: 0 |
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| Repossession information. |
Members of the Council of Mortgage Lenders record information on customers who have given up their homes or had them repossessed. If you have any queries about the repossession information shown, and would like to contact the company concerned, there is a list of useful addresses in the Profile section of your report. Repossession information may be recorded at up to three addresses - the address which was repossessed or surrender. |
No Data was retrieved for this section.
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| Previous Searches. |
Previous searches show the names of organisations that have seen some or all of the information recorded on your credit report within the past 12 months. Searches of your credit report should all have been made with your consent. Most will relate to credit applications you have made but some may be routine checks by your lenders on accounts you already have. Unrecorded Enquiries, quotations, identify verification checks and credit report applications are shown for you on your copy of your report but are not seen by lenders. |
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| Entry Number: |
P1 |
| Name and address: |
Mr John Smith
UK Address |
| Date of birth: |
21/10/76 |
| Searched on: |
23/01/2009 |
| Searched by: |
CREDIT EXPERT REPORT |
| Application type: |
Identification Generic Check |
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| Entry Number: |
P2 |
| Name and address: |
Mr John Smith
UK Address |
| Date of birth: |
21/10/76 |
| Searched on: |
24/07/2006 |
| Searched by: |
ABBEY NATIONAL PLC (ANCAS) |
| Application type: |
Mortgage |
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| Entry Number: |
P3 |
| Name and address: |
Mr John Smith
UK Address |
| Date of birth: |
21/10/76 |
| Searched on: |
07/07/2006 |
| Searched by: |
CHELTENHAM & GLOUCESTER |
| Application type: |
Mortgage |
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| Entry Number: |
P4 |
| Name and address: |
Mr John Smith
UK Address |
| Date of birth: |
21/10/76 |
| Searched on: |
05/07/2006 |
| Searched by: |
CHELTENHAM & GLOUCESTER |
| Application type: |
Mortgage |
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| Entry Number: |
P5 |
| Name and address: |
Mr John Smith
UK Address |
| Date of birth: |
21/10/76 |
| Searched on: |
04/07/2006 |
| Searched by: |
CHELTENHAM & GLOUCESTER |
| Application type: |
Mortgage |
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| Financial Associate Searches. |
Previous searches show the names of organisations that have seen some or all of the information recorded on your credit report within the past 12 months. Searches of your credit report should all have been made with your consent. Most will relate to credit applications you have made but some may be routine checks by your lenders on accounts you already have. Unrecorded Enquiries, quotations, identify verification checks and credit report applications are shown for you on your copy of your report but are not seen by lenders. |
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| Entry Number: |
P1 |
| Name and address: |
Mrs Jane Smith
UK Address |
| Date of birth: |
14/02/78 |
| Searched on: |
23/02/06 |
| Searched by: |
CAPITAL ONE BANK (EUROPE) PLC |
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| Entry Number: |
P2 |
| Name and address: |
Mrs Jane Smith
UK Address |
| Date of birth: |
14/02/78 |
| Searched on: |
27/01/06 |
| Searched by: |
FREEMANS PLC |
| Linked Addresss. |
Linked addresses are created by lenders when you move or when you tell us your previous addresses. This information shows addresses that you have been connected with. |
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| Entry Number: |
P1 |
| Name and address: |
Mr John Smith
UK Previous Address |
| Linked to: |
UK Current Address |
| Source: |
NEXT DIRECTORY |
| Date of link: |
12/11/2006 |
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| Entry Number: |
P2 |
| Name and address: |
Mrs Jane Smith
UK Previous Address |
| Linked to: |
UK Current Address |
| Source: |
FREEMANS PLC |
| Date of link: |
12/11/2006 |
| CIFAS - The UK's Fraud Prevention Service. |
CIFAS aims to detect and prevent fraud and so protect innocent people whose names, addresses or other details are used fraudulently by others in order to get credit. Organisations who are members of CIFAS examine credit applications very carefully and may contact you to make sure you have applied for the credit. They will not automatically refuse applications from people with warnings on their report. For further information about these details, you may wish to contact the company at the address listed below. |
No Data was retrieved for this section.
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| GAIN - Gone Away Information Network. |
GAIN shows that an individual owes money and has moved without giving the lender a forwarding address. If you have any queries about this information please contact the company which gave us the information. |
No Data was retrieved for this section.
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| Your National Credit Score. |
Your score is: 974 on a scale of 0-1000
A higher score generally indicates that lenders will consider it less risky to lend money to you.
This score reflects the information held by Experian on the date shown here: 25/01/2009 |
Your credit score category is:
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Very poor Poor Fair Good Excellent
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How you compare against the Nation:
In comparison, your National Credit Score is higher than that of 80% of UK consumers applying for credit. |
| What does your credit score mean? |
This score suggests you are a very low risk borrower - very few applicants with this score will have repayment difficulties if they take out any more credit.
Your National Credit Score suggests that you are a very low risk and are unlikely to experience repayment difficulties.
The score is based solely upon your credit report information and is no guarantee that a credit application will be accepted. When you make a credit application, lenders will also take into account answers you provide on your application form. They will also need to check your identity.
Your score suggests that your credit report will show that you have always made payments on time in the past. Your credit history probably shows few or no arrears and accounts that you have settled were paid on time. Your credit history is an asset and can help you the get best and quickest credit deal for you and help you to get the best interest rates.
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