Credit Report

Freedom · 28 Nov 2007 at 15:25

I got my credit report through Credit Expert with their 30 day free trail.

I got my report through a few hours after applying but im a little confused about it.

It shows me a list of all credit that ive had, contract phones, store cards and credit cards, 8 of them, Beside each of them It has a Green 0, which means Payment up to date and 3/4 of them are settled.

It shows that im on the Electraroll and at my current address for 14 years.

Im not connected to anybody under Financial associations, ive got nothing under
Public Records such as ccjs, and nothing under Repossession Information.

But I still dont know if this is a good credit report.

Is it?

Cuchulain · 28 Nov 2007 at 15:30

Yes, it's a very good credit report, for a couple of quid I think they offer you a "credit score" on top of the credit report.

Morba · 28 Nov 2007 at 15:38

get the credit score as well. that give yous a score out of 1000 iirc.

Jimbeam3678 · 28 Nov 2007 at 15:53

These are and can be misleading , I had a score of 974 out of 1000 yet for some reason some main stream lenders still classed me as a fairly high risk. My address is clean and the people whoI got my report off are at a loss never been late with a payment only have a small amount of debt considering my wage. So don't take it as gospel ......

toosepin · 28 Nov 2007 at 15:55

My credit report showed a details request had gone through with my date of birth wrong by about 20 years.

This was done so some punk could spend £1400 of my money on William Hill online.