What it contains
- Your credit accounts and their payment history.
- Your total borrowing and limits.
- Public records like defaults or court judgments.
- Electoral roll status and linked addresses.
Who sees it
Lenders use it when you apply for credit, and some landlords and employers run checks with permission. You can see your own report any time for free.
Frequently asked questions
How long do missed payments stay?+
Most negative markers stay on your file for six years, then drop off.