Public Information

What is Public Information?

In Credit Reporting terms, Public Information refers to the data that is taken from publicly-available sources.

This includes:

  • Your Electoral Roll Status
  • If you appear on any insolvency registers
  • If you have any active court judgments
  • Name and date of birth

This data is reported by all four UK Credit Reference Agencies, but checkmyfile’s Multi Agency Credit Report is the only service that allows you to see how each agency is reporting this information in one place.

Your Public Information is checked during most forms of credit check, including the ones carried out by prospective landlords or employers. In most cases, when an Enquiry Search is carried out, this is the only information they will see.

This information is also shown as part of the Application Searches commonly used by lenders, along with six years’ worth of credit history.

While credit history plays a large part in a lender’s assessment of your Creditworthiness, your Public Information is also an essential component, as it helps verify you are who you say you are.


Q: Where can I see my Public Information

A: The Insolvency register is free to view online and the electoral roll may be viewable at your local public library, but to view CCJ information you will need to use the Registry Trust. Alternatively, your public information is compiled and available to view on your Credit Report.

To see how your Public Information is reported to lenders by all four UK Credit Reference Agencies, you can try checkmyfile Free for 30 days, then for just £14.99 a month afterwards, which you can cancel online, by phone or by email.

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