Sample Credit Report | Credit Report Example


 

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Sample credit report.

 

 

The sample credit report below gives an example of real credit check with a credit score.



Sample credit report results from a full credit check.

 

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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.

  Sample credit report.

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.

 Profile information.
Name: Mr John Smith
Date of birth: 21/10/76
People you are financially connected to: Mrs Jane Smith
Date of birth: 14/02/78
Present address: UK
Length of Residency: 0 years and 4 months.
Previous Address: UK
Length of Residency: 9 years and 5 months.
   
   
  Electoral Roll Information.

The electoral roll is a list of the names of all people registered to vote in elections and their addresses.

  Present Address
Entry Number: E1
Local Authority: UK CURRENT LOCAL AUTHORITY
Address: UK
Names and Dates: No Names Listed on Voters Roll
   
  Previous Address
Entry Number: E2
Local Authority: UK PREVIOUS LOCAL AUTHORITY
Address: UK
Names and Dates: Mr John Smith
10/2004 to 10/2006
   
   
  Electoral roll information.

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.

  Financial associations.

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.

   
Entry Number: L1
Name and Address: Mr John Smith
UK ADDRESS
Date of Birth: 21/10/76
   
Associated With: Mrs Jane Smith
Date of Birth: 14/02/78
Association Source: Other
Association Type: Association
Association Confirmed by: CREDIT REPORT
Date: 25/01/2009
   
   
Entry Number: L2
Name and Address: Mr John Smith
UK ADDRESS
Date of Birth: 21/10/76
   
Associated With: Mrs Jane Smith
Date of Birth: 14/02/78
Association Source: Joint Account
Association Type: Joint Application
Association Confirmed by: Yorkshire Building Society
Date: 10/12/2006
   
   
Entry Number: L3
Name and Address: Mr John Smith
UK ADDRESS
Date of Birth: 21/10/76
   
Associated With: Mrs Jane Smith
Date of Birth: 14/02/78
Association Source: Joint Account
Association Type: Joint Account
Association Confirmed by: ABBEY NATIONAL PLC (ANCAS)
Date: 24/07/2006
   
   
  Public Records.

This section of your report contains details about court judgments, bankruptcies and individual voluntary arrangements.


No Data was retrieved for this section.

  Account information.

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.

   
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)
Summary of Payment History: In last 36 months, number of status 1-2 is: 0 number of status 3+ is: 0
   
   
   
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)
Summary of Payment History: In last 36 months, number of status 1-2 is: 0 number of status 3+ is: 0
   
   
   
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)
Summary of Payment History: In last 36 months, number of status 1-2 is: 0 number of status 3+ is: 0
   
   
   
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)
Summary of Payment History: In last 36 months, number of status 1-2 is: 0 number of status 3+ is: 0
   
   
   
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)
Summary of Payment History: In last 36 months, number of status 1-2 is: 0 number of status 3+ is: 0
   
 
  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.

  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.

   
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
   
   
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
   
   
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
   
   
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
   
   
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
   
  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.

   
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
   
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.

   
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
   
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.

  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.

  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:

Very poor       Poor       Fair       Good       Excellent

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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Types of mortgage
The different types of mortgage and interest rate options.

 

Applying for a mortgage
Seeking an agreement in principle and applying for a loan.

 

Your credit history
The mortgage credit check and income verification.

 




 



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