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.
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