What is a credit file?

A credit file is a history of all your credit activity, dating back to the first time you obtained credit. Contained within a credit file is information such as:

• Companies you have applied for credit with such as banks, utilities and finance companies.
• The amount of credit you applied for.
• The type or purpose of credit sought, such as credit card, overdraft, home loan.
• Records of payment defaults (overdue accounts).
• Court judgments.
• Insolvency information.
• Collection agency defaults.
• Ministry of Justice fines.
• Collections data.
• Records of any identification you have reported lost or stolen.
• Also included is your full name, current and previous addresses and date of birth.