Category:
Credit File Reporting
The following information is included in your credit file:
- Your name, date of birth and any other names you previously used.
- The amount you owe on your credit agreements. For example, loans, mortgages, credit cards and overdrafts.
- Your payment history on your credit agreements.
- Any defaulted credit agreements.
- Any County Court judgments (CCJs), decrees and money judgements raised against you.
- Details of any repossessions, including voluntary repossessions.
- Details of current or recent insolvency – including bankruptcy, individual voluntary arrangements (IVA) and debt relief orders (DRO).
Every month we tell the credit reference agencies about how you’re managing your mortgage. If you have an unsecured loan with us, we’ll tell them about this separately. We’ll tell them:
- How much you owe.
- When you took out your mortgage (and unsecured loan, if you have one) and how long this was for (in months).
- Whether your payments are up to date. If your account is in arrears, we’ll tell them how many months behind you are with your payments – up to a maximum of 6.
- Whether you have a payment arrangement to pay back any arrears.
- If you have an unsecured loan, whether you have a payment arrangement on your loan which you’ve agreed through a debt management company.
- If we repossess your property or you voluntarily surrender it (sometimes called ‘handing back the keys’) to us, we’ll tell the credit reference agencies about this.