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It will contain details of any accounts in your name

What is included in my credit report?

Secured Loans > Our Loans > Bad Credit Loans > Credit Rehab > What information is and isn’t in my credit report?

As standard, whenever a credit agency is asked to run your credit profile by a potential lender, it will contain details of any accounts in your name, the date they were opened, the current limits on those accounts and whether you have missed any payments.

This information also includes accounts that might have been closed previously, which can remain on your credit report for up to 6 years. As well as previous accounts, credit searches also appear on the report regardless of whether you were approved or declined.

Other general personal information such as date of birth, as well as electoral and address details which tend to be used to confirm your identity as well as look up addresses associated with your name.

Furthermore, if there are any CCJ’s, bankruptcies or home repossessions, these would continue to appear on your credit report for 6 years.

There are many misconceptions and rumours about pieces of information that appear on your credit report but actually don’t. Some of these bits of information are:

  • ‘Soft searches’
  • Student loans
  • Council tax arrears
  • Parking or driving fines
  • PPI, CPP, bank charges and other reclaims
  • Whether you’ve checked your credit report
  • Race, religion, ethnicity
  • Salary
  • Savings accounts
  • Medical history
  • Criminal record
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Our Address

Evolution Money,
9 Portland Street,
M1 3BE

Registered Company Number: 06987852

Contact by Phone

General Enquiries:
0161 814 9158

0161 814 9165

Contact by Email

Evolution Money Limited is a licensed credit broker and service provider to Evolution Lending Limited. If your application doesn’t meet the underwriting requirements of Evolution Lending Limited we may pass your information to other lenders and brokers. Evolution Money Limited is a company registered in England & Wales, registration number 06987852 and registered at 9 Portland Street, Manchester, M1 3BE. Authorised and regulated by the Financial Conduct Authority, firm reference number 708324.

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