Credit Check

If I was to apply for a loan or a mortgae, and a credit check was carried out by the lender - do I have access to the information that is supplied to them about my finances?

For example, if I have had a credit card and paid it off and closed it, how long would that information remain accessible on my credit rating report?
10:56 Thu 22nd Mar 2012
Best Answer

No best answer has yet been selected by andy-hughes. Once a best answer has been selected, it will be shown here.

For more on marking an answer as the "Best Answer", please visit our FAQ.

1 to 3 of 3

Information is usually kept and accessible on your file for 6 years. You can check your own file either online or by getting a copy via post from one or all of the 3 credit reference agencies, Equifax, Experian and Callcredit.
The financial institution are not allowed to tell you what is on the credit register search they get as they do not own the information. They do have to tell you which Company they used to enable you to apply yourself.
There are many of places that promise to “repair” or “fix” your credit for an upfront fee. However, no one can remove negative information, such as late payments, from a credit report if it is accurate. You can only get your credit report fixed if it contains errors, and you can do that on your own at no cost. Actually there is only one kind of borrowing applying to which your credit history will not be checked - payday loans.

1 to 3 of 3

Related Questions

An elderly couple was flying to Hawaii for a two-week vacation to celebrate their 50th anniversary. Suddenly, over the public address system, the captain announces, “Ladies and gentlemen, I am...
I just wondered where the law stands with hotels demading credit cards before you are allowed to check in, even though the room has already been paid for. I am finding now everywhere I stay, I can't...
Hi Guys basically i need to know... is there only one type of credit check? what i mean is..... on boxing day i went to get a sofa, i applied for credit it got declined, i bought it with my savings in...
hi guys, i know im posting this is the wrong catergory but had no idea where to post! basically i need to know... is there only type of credit check? what i mean is..... on boxing day i went to get a...
Hi, my partner has a crap credit history but wants a DEBIT card so that he doesnt have to estimate how much money he needs before he goes shopping - its annoying to find he doesnt have enough money...
I have viewed a house this wk through a lady, no association with letting agents and really wanted it. She said she would need copy of passport, current tenancy agreement, proof of address and...

Latest posts