Your credit file includes the details you would’ve provided when applying for credit. This is mainly personal information about you and your financial history.
The personal information shown includes:
- Your full name and date of birth
- Your current and previous addresses
- Electoral roll
It also includes financial information about your current and past accounts, including:
- Account open/close date
- Types of account
- Account balance
- Account Limit
- Last payment date and amount
- Details of any missed or late payments
- Details of any arrangements in place
- Any defaults on your accounts
- Details of any Debt Management Plans in place
- Any County Court Judgments (CCJs) that have been registered against you
- Details of any insolvencies - such as bankruptcy, debt relief orders, or individual voluntary arrangements
- If you’ve ever had your home repossessed
- Information about people financially linked with you
Your credit file doesn’t contain other financial information like how much you earn, where you’ve worked, or how much you have in any savings accounts. If the debt you have with Lowell defaulted with the original company, it will be showing on your credit file as a default. Similarly, if a debt you had with Lowell has been passed on to a solicitor for legal action and a court grants a CCJ against you, this may show on your credit file. For more information on this, take a look at our Frequently Asked Questions.
Your credit file at each CRA may not be the same because some lenders and creditors may not report their customer’s borrowing and repayment activity to all three CRAs.