Credit Building

What data goes into your credit file?

Jan 4, 2021

The Credit Reference Agencies (CRAs) know more about you than just your credit data, and it can all affect your creditworthiness. Here’s what else your credit history contains in under two minutes – from the experts at Loqbox.

Your name and address

Each CRA has your name and address. They may also hold multiple versions of your name (known as aliases) if you, or a lender, have ever spelled it differently on an application form.

Electoral roll

CRAs can also tell whether you’re on the electoral roll at your address. (If you aren’t, you need to register. And, if you’re newly registered, you’ll need to wait a few weeks for the systems to update.)

CCJ data

If you’ve been subject to a CCJ (County Court Judgement), this will show on your credit file for six years from the date it is satisfied.

Moved away

If you’ve changed your address or left the country owing money, this information will be stored on your credit history.

Fraud warnings

If you’ve been caught committing any kind of fraud, this could be noted on your credit report for others to see.

All of this data forms a decent chunk of your credit report so it’s important to get to grips with what it all means.

This post was written and compiled by the credit experts behind Loqbox – a completely free way to build your credit history by saving as little as £20 each month.

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