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Financial  Glossary of Finance Terms

Financial Glossary of
Finance Terms

Credit Report

A Credit Report is provided by a Credit reference agency and generally provide the following information:-

  • Electoral Roll Details
  • Whether you have any CCJ's or have been declared bankrupt
  • Details of credit cards and loans opened in your name , including initial amounts, credit limits and amounts outstanding
  • Others credit contracts are often present such as mobile phone contracts
  • Complete breakdown of your payment history ( Any late payments etc.)
  • Negative account history to identify items that may be adversely effecting you
  • Previous credit searches regardless of whether the product was taken or not
  • Some will give their own credit score indication

This report is used with other details of the application to produce the lenders own credit score

 

 

 

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