Consumer credit report

Others simply dont like the name they were born with or are given a title. This section lists your current and previous names here your aliases and allows you to find out who notified consumer credit report the name change.

Are all your names recorded correctly? 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 give to us. When you take out a joint credit account, such as a joint credit card, you create a financial link with the other applicant, who is then listed in your credit report as a financial associate. Lenders may check the credit report of financial associates when you apply, because their financial circumstances could affect your ability to repay. Is the list of your financial associates up to date? This section of your credit report contains details about court judgments, bankruptcies and individual voluntary consumer credit report arrangements. fair credit report act Your credit report contains information held on public records, such as court judgments for non-payment of debts, any bankruptcies consumer credit report or individual voluntary arrangements (IVAs). Is the information taken from public records correct? Bankruptcy, IVAs and court judgments Records of court judgments and IVAs are consumer credit report held on your credit report for six years and bankruptcies are there for at least the same length of time. Debts repaid within a month consumer credit report of a court judgment can be marked as Satisfied.

Are details of court judgments, IVAs and bankruptcies up to date? Credit account information shows details of your credit agreement with lenders. monitoring credit report The term "credit" covers every account that gives you something of value money, goods or services that you can use today, on the understanding consumer credit report that you will repay the lender at a later date. Thats why youll find items such as utility and mobile phone accounts here, as well as credit cards, loans and mortgages. Are all your accounts listed on your credit report? Every account in your name will affect your credit rating even if a criminal is impersonating you to borrow money.

If you find any accounts you dont recognise, you could be a victim of ID fraud. Did you set up all consumer credit report the accounts in your name? From catalogue shopping to consumer credit report a loan for furniture, you probably have many different types of credit account. Do you know how many credit accounts you've taken out? This entry shows the current balance consumer credit report of each account the amount you have spent and not yet repaid. free credit reports and credit scores Are your balances recorded correctly? Lookout for consumer credit report an 8 when checking the account status. It means that consumer credit report a lender has terminated the account because you havent made consumer credit report payments and have failed to come up with a way of putting things right. A defaulted account stays on your credit report for six years and will lower your credit rating. Have you defaulted on your repayments? Are you making your repayments on time and in full? Youll find a key that explains the symbols at the end of this section.