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what can lenders see on your credit file?

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Can anyone clarify exactly what lenders can see on your credit file - totally confused. For example can they see who your creditors are? Can they see if you have withdrawn cash on a credit card? etc. etc. How far back can they see - looking for a solid answer as everything I'm reading says different things.

thanks

Comments

  • Google is your friend here......

    Credit utilisation, hard searches, financial links, address history, defaults and CCJ!!!8217;S.....
  • !!! wrote: »
    Google is your friend here......

    Credit utilisation, hard searches, financial links, address history, defaults and CCJ!!!8217;S.....


    No Google isnt your friend...the OP has asked a quality question and telling them to Google is hardly helpful.

    Lets hope someone with some knowledge can answer the question as i for one would like to know.
  • takman
    takman Posts: 3,876 Forumite
    1,000 Posts Combo Breaker
    pepperpop wrote: »
    Can anyone clarify exactly what lenders can see on your credit file - totally confused. For example can they see who your creditors are? Can they see if you have withdrawn cash on a credit card? etc. etc. How far back can they see - looking for a solid answer as everything I'm reading says different things.

    thanks

    -They can't see the names of your creditors they only see the type of credit such as Credit Card, Loan etc

    -They can see if you withdraw cash on a credit card. But if you have an other wise good history it won't affect it much if you want to use cards like the Halifax Clarity abroad for example.

    -Your credit report has 6 years of history they can't see any further back than you can when you request the report (unless they have internal records from you previously being a customer)
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