Why can they see?

Lolly18

Hi,

Just having a thought whilst at work and after a google search I have unanswered questions still. All regarding what lenders actually see on my credit report.

1) can lenders see the company you’ve got credit with weather it be a cc or loan eg Barclays, Santander etc.

2) can they see your interest rate.

3) do certain types of credit have negative effects against you.

4) can they see current account balances

All food for thought

Hope someone can shed some light on this!

Thanks

Lolly

[Deleted User]

1) no
2) no
3) yes, depending on the criteria of the lender viewing them
4) depends what you mean. Lenders see reported balances of loans, card etc. They don't see balances of current accounts (ie bank accounts) - just whether you're in your OD or not.