What a creditor can see when they run a CRA check on you

Stabilo_Boss

I am not sure how much this helps but I will post it anyway. About 2 years ago I was sent a screen print of my Experian report by someone I owed money to. This was interesting because it allowed me to see what they could see about me. Granted it is only Experian and it is a couple of years back but I guess things haven't changed too much. I cannot post the screen shot because it is PDF and I would need to redact it. Anyhow in summary:

My name and address
Whether I am matched to the electoral roll
Public Information (mine shows 1 as I have 1 CCJ (settled but it doesnt show that here) with the amount and date
Messages (in red text it said 'Arrangement 2' and 'Previous Address') not sure what the previous address is about (perhaps because I had lived at my current address for only 5 years) but the Arrangement is my AP for Barclaycard
Previous searches (0-3 months, 4-6 months, 7-12 months) mine was all zeros
CAIS Number (mine is 9)
Total balance (mine was £8971)
Worst current 0
Worst historical 1 (these seem to be the number of accounts on my file and my payment history - i.e. 1 month late)
Notices of correction (nothing for me)
Application details (this is for the creditor running the report - in my case under 'Search type' it says 'Customer Management') and Amount 'not given' and Term 'not given' - I guess this is because it is not a check for any type of finance
Then my name, address, date of birth, sex, time at address (this said not given) and keyed address - this all looks like stuff the creditor will have keyed in to find me rather than data the CRA was presenting about me
Voters Roll - this listed me and my wife as we live together
Aliases - nothing for me
Public Information - listed my CCJ with the date, court, case number, amount and the fact that it was satisfied with the satisfied date - note it doesn't say who the debt was with

It then goes on to list all of my accounts - again it doesnt say who they are with just what kind of account it is (i.e current account, credit card, communications company).
Against each account it shows:

My name and address
ACTIVE (the account was active)
DOB
Company type (i.e credit card)
Status (36 months) 1 (I must have had a late payment within 3 years)
Status 3+ (36 months) 0
Start Date (the date I took out the cc I guess)
Balance £2637
Credit Limit £6000
It then shows the current status 000000001000
Worst Status 1
However it seems they can then click on something for the detail which showed my monthly balance, what I had paid, previous statement amount, the number and amount of any cash advances and my credit limit history
Payment code - (this was blank)
Promotional Rate (most months this was N but in a couple of months it was Y)
As I had an Arrangement to Pay on this account is also showed the Start Date and End Date of this

I am sorry this is so long and it is descriptive rather than the screen shot but I hope it might help. I was most interested to learn that they could not see who the accounts were with (or the CCJ although I guess if they applied to the court they could get this information) and that is showed my cash advances on my credit cards)

Thanks

sirwiggum

Thanks - Interesting information Stabilo Boss, and does correspond with what I was told before that creditors basically see a large table of data.

Interesting also that Arrangement to Pay is so visible (in red text too!), this would be one of the first things that the prospective creditor would see.

Experian_company_representative

Credit report data is anonymised when lenders look at your report. Only you see the company names. On CCJs (or court judgments in other parts of the UK) the claimant's name is not actually on the public record so the court is the only place you'll get that information. We certainly don't have it.

James