Do you know what information is kept on credit files?

6 January 2014

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Apply for a mortgage, credit card, even a mobile phone contract, and you’re credit-scored (see Boost Your Credit Score for more info). As well as your application form details, and any past dealings they’ve had with you, firms also get details from one of three credit reference agencies. Answer for ALL whether you think this information is on credit files for LENDERS to see. Once you’ve voted, check whether you were right by clicking the “discuss current poll” link below.

Apply for a mortgage, credit card, even a mobile phone contract, and you’re credit-scored (see Boost Your Credit Score for more info). As well as your application form details, and any past dealings they’ve had with you, firms also get details from one of three credit reference agencies.

Answer for ALL whether you think this information is on credit files for LENDERS to see.

Once you’ve voted, check whether you were right by clicking the “discuss current poll” link below.

Results

Past borrowing rejections

Yes		7128 votes (85%)
No		1213 votes (15%)

Marital/domestic status

Yes		6146 votes (74%)
No		2195 votes (26%)

Any past speeding fines

Yes		1363 votes (16%)
No		6978 votes (84%)

Missed credit card payments

Yes		8139 votes (98%)
No		202 votes (2%)

Your current salary

Yes		2774 votes (33%)
No		5567 votes (67%)

Late credit card payments

Yes		7931 votes (95%)
No		410 votes (5%)

If you're on the electoral roll

Yes		7753 votes (93%)
No		588 votes (7%)

Monthly insurance payments

Yes		3110 votes (37%)
No		5231 votes (63%)

Student loan information

Yes		4641 votes (56%)
No		3700 votes (44%)

Any criminal record

Yes		3737 votes (45%)
No		4604 votes (55%)

When you check credit file

Yes		5443 votes (65%)
No		2898 votes (35%)

5-yr old loan, now paid off

Yes		6203 votes (74%)
No		2138 votes (26%)

           8,341 people have voted.

We try to use technology to limit voting to one per person. Occasionally, this may erroneously block a few people's votes (eg, from shared offices). Apologies for that.