What is included on the credit report
Your credit report contains your personal and credit information.
PERSONAL INFORMATION includes
CREDIT INFORMATION includes
Name (forename & surname)
Current and previous addresses
Date of birth
Personal public service number(PPSN)
Type of loan (credit card, mortgage, overdraft)
Name of the lender
Amount of the loan
Number of overdue payments, if any
Date of next payment
Amount of next payment
Each month personal and credit information is submitted by your lender to the Central Credit Register.
Personal information ensures that all your loans that you may have with different lenders are correctly matched on the Central Credit Register.
Credit information includes positive credit information, for example that a payment has been made; and negative credit information, for example that a payment has not been made. This information is submitted by your lender in order to build your credit history and create your credit report.
Credit information will build up over time until five years of information is shown on the credit report that is provided to you.
For an active loan (one where payments are still being made, or are expected to be made), a lender will see only the most recent two years of payment information on the credit report provided to them. For a closed loan (one where all payments have been discharged, or the loan closed off by the lender), a lender will see only the final two years of payment information.
When the oldest information reaches five years old, each separate entry will be deleted month by month thereafter. The closed loan information will be completely removed from the credit report five years after the last payment was made.
Personal information is held on the CCR for a period of five years from the date the last loan was paid off.
Each time lenders obtain your credit report, they leave a record, called a footprint. Each footprint is a record of the date, the lender name, and the reason why that particular lender sought your credit report.
The footprint is shown at the end of the report for a period of five years after a lender last requested access.
You can submit a request for a credit report or view our requesting a credit report factsheet.
The Central Credit Register does not:
- decide if a loan is approved or not – the lender makes that decision;
- score or grade credit reports