Equifax credit report help

eaglesrjh

Hi. received in the post my £2 credit report from equifax (others are on there way) however there is no info booklet to tell me what all the symbols mean. Can anyone confirm my understanding.

here goes.
I'm looking at the monthlystatus line (the one with S,N 1,0 etc)

I take it the most recent month is first?

Also my understanding of symbols

S=Settled (account closed)
N= not used?
0= payment made on time or no payment?
1= late payment? does being 1 or 2 days late make a 1 on the report?
other numbers? dont have any but seen them mentioned before.

anything else?

Any help greatly appreciated

Also once I have all 3 reports would I expect to see every creditcard/loan bank account on at least one of them?

Bokkens

Make sure the old credit cards loans etc show as settled,double check that there is no debt on the report that is not settled or belongs to someone else ie,ex partner.
The 1's mean late or missed payments the 0's are what you should have as continious 0's shows you repay your debt without missing payments and this will improve your rating or maintain it.