I got a credit report from Experian and the amount of information they have on you is frightening 
I though banks were supposed to be confidential, how wrong was I. 
It lists your electoral roll information, current account:- monthly balance information, loan information:- monthly payments made and balances, credit card details:- limit, outstanding balance, monthly amount paid and any cash advances, Virgin Media:- monthly payments, all searches you have made for insurance of any kind, other bank accounts etc. and finally any other addresses you are associated with ( which in my case was wrong). The details go back years.
I personally was surprised and disgusted that this information is available to anyone wanting to pay for it and those who put details up there. What the freak has Virgin Media got to disclose my monthly payments, what freakin' right have the comparison sites got to disclose what I was looking for and with which company. What right has my bank got to disclose my financial dealing. All very big brother to me and it shouldn't be allowed
I accept that a credit check is required before getting credit, like the Electoral Roll to confirm where you live, Lord Chancellors and County Court Judgements against the individual or the property and proof of salary. The rest is a disgrace
I recommend you get your Credit Report and check it, you will be amazed at the information they have. Whatever happened to the data protection act 
The information you have in front of you is for your Eyes only as its your Credit Report File, when A N Other does a Credit Check on you they dont see all the information that you have, they just things like, Credit Rating, defaults, up to date payments, late payment, Electoral Role, Credit Card and Bank Accounts etc, they dont get to see amounts or other Personal Information. 
One of the best checks is 'Check My File', they give you all 3 Reprts, from Experian, Equifax and Credit Call, last time I did it as 14.99 per Quarter for all 3 Reports and was updated monthly. 
OK that's a bit better, but the fact that they have that detail of information is disturbing
Well, it's probably best too look at it from a lenders point of view. If I asked you as a lender ,say, if I could borrow £480,000 for a loan on a house. You'd want to know if I was going to repay the loan right?
You'd want to know I was;
A real person not a created identity.
In full time employment with a wage capable of meeting the repayments.
Had a good history of paying back loans.
Had national insurance so that, if I became ill, I could get better and continue to re pay the loan.
Or, if I was terminally ill, and could not pay back the loan.
You'd want to know that the house I was buying existed.
Was worth the amount against the loan.
Was in the uk.
Not about go fall off a cliff and disappear into the sea.
Was insured against gas explosions
Etc etc....
Its a report on your suitability for credit. It's not made public. Far from it. Only certain institutions , and you, are able to see it. In theory.
....as I understand it anyway.
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Topic: Experian Credit Report (Read 4121 times)