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  • FIRST POST
    • pepperpop
    • By pepperpop 16th Apr 18, 8:16 PM
    • 37Posts
    • 5Thanks
    pepperpop
    what can lenders see on your credit file?
    • #1
    • 16th Apr 18, 8:16 PM
    what can lenders see on your credit file? 16th Apr 18 at 8:16 PM
    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 Can they see if you have withdrawn cash on a credit card?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
Page 1
    • Gary_Dexter
    • By Gary_Dexter 16th Apr 18, 8:57 PM
    • 1,477 Posts
    • 844 Thanks
    Gary_Dexter
    • #2
    • 16th Apr 18, 8:57 PM
    • #2
    • 16th Apr 18, 8:57 PM
    Google is your friend here......

    Credit utilisation, hard searches, financial links, address history, defaults and CCJ!!!8217;S.....
    • Samsung_Note2
    • By Samsung_Note2 16th Apr 18, 10:35 PM
    • 494 Posts
    • 194 Thanks
    Samsung_Note2
    • #3
    • 16th Apr 18, 10:35 PM
    • #3
    • 16th Apr 18, 10:35 PM
    Google is your friend here......

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

    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.
    If my appalling spelling offends you that much...dont read my posts.
    • takman
    • By takman 17th Apr 18, 5:58 PM
    • 3,485 Posts
    • 3,119 Thanks
    takman
    • #4
    • 17th Apr 18, 5:58 PM
    • #4
    • 17th Apr 18, 5:58 PM
    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 Can they see if you have withdrawn cash on a credit card?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
    Originally posted by pepperpop
    -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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