We've already talked about what credit data is on your credit history but what about other data? It all matters, which is why today we are going to be looking at what other data makes up your credit file.
Each CRA will hold your name and address. They may also hold multiple versions of your name if you've ever spelt it differently, or a lender has spelt it differently, on an application form.
Each CRA will be able to tell if you are on the Electoral Roll at your address. As we've mentioned before, if you aren't, it’s worth doing, as it’s an easy way to help grow your credit score! If you've just registered you'll need to allow a few weeks for the systems to update.
If you've been subject to a CCJ (County Court Judgment) this will show on your credit file for 6 years from the data it is satisfied.
If you've moved address or left the country owing money this information will be stored on your credit history.
If you've been caught committing any kind of fraud this could be noted on your credit report for others to see.
This data forms a decent chunk of your credit report so it's important to get to grips with what it all means.
Checking your credit reports
When it comes to your financial health, your credit score is really important. So checking your credit reports is a good place to start when seeking to improve your financial health.
Making yourself visible to the system
If you haven't managed to find your credit report, you might be 'invisible' to the system for some reason, meaning one or more CRA can't find you.