What is included on the credit report
A 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.
The Central Credit Register does not:
- decide if a loan is approved or not – the lender makes that decision
- calculate a credit score on credit reports
Credit information includes positive credit information, for example that a payment has been made; and negative credit information, for example that a payment has been missed. This information is submitted by your lender in order to build your credit history and create your credit report.