Your Experian Credit Report (printable version)

Your Experian Credit Score

Your score is 980 out of 999. This is an Excellent score.

Application Details
These are the details you gave us when you asked for your report. We have used this information to produce your report.

MR CHRISTOPHER THOMAS Date of Birth: 06/01/1979

Present Address: 15, PENTWYN ROAD, DYFED, SA18 2EY

Other Addresses: 34, TALBOT ROAD, DYFED, SA18 3BA

Electoral Roll Information

This shows the dates that your name was registered on the electoral roll and the addresses you were recorded at.

Present Address

E1 CHRISTOPHER THOMAS, 15, PENTWYN ROAD, AMMANFORD, SA182EY

Supplied by: CARMARTHENSHIRE COUNTY COUNCIL From: 12/2017 to Present

Other Address/es

E2 CHRIS THOMAS, 34, TALBOT ROAD, AMMANFORD, SA183BA

Supplied by: CARMARTHENSHIRE COUNTY COUNCIL From: 10/2007 to 09/2017

Aliases
Aliases are created when lenders tell us of other names you have been known by or when you tell us of other names you have used. Your credit report will
include information recorded in these other names at the addresses you gave us when you applied for your report.

No data is present for this section of your report.

Financial Associations
Financial associations show details of anyone you are financially connected to. Financial connections can be created by joint accounts, joint applications,
joint court judgments, or from information you have given to us. For further information please see our important advice section at the end of your report.
When you apply for credit a lender may take into account financial information about people you are financially connected to.

L1 MR CHRISTOPHER THOMAS, 15, PENTWYN ROAD, AMMANFORD, SA182EY Date of Birth: 06/01/1979

Associated with: MRS LISA GEDDES-THOMAS Confirmed by: BARCLAYS

Type of Association: JOINT ACCOUNT
Date of Birth: 06/10/1984 Confirmed Date: 03/09/2017

L2 MR CHRISTOPHER THOMAS, 15, PENTWYN ROAD, AMMANFORD, SA182EY Date of Birth: 06/01/1979

Associated with: MRS LISA GEDDES-THOMAS Confirmed by: HBOS LLOYDS MORTGAGE
Type of Association: JOINT ACCOUNT
Date of Birth: 06/10/1984 Confirmed Date: 20/08/2017

Report Generated On: 16/09/2019 Page 1 of 7

Financial Associations (continued)
L3 MR CHRISTOPHER THOMAS, 34, TALBOT ROAD, AMMANFORD, SA183BA Date of Birth: 06/01/1979

Associated with: MRS LISA GEDDES-THOMAS Confirmed by: BARCLAYS

Type of Association: JOINT ACCOUNT
Date of Birth: 06/10/1984 Confirmed Date: 13/09/2009

Public Record Information

This section of your report includes any court judgments, debt relief orders, bankruptcies, individual voluntary arrangements or other similar public records.

No data is present for this section of your report.

Credit Account Information

Credit account information shows details of your credit agreements with lenders. If you have any queries about this credit account information and would
like to contact the lender yourself, there is a list of useful addresses contained within your report.

C1 MR CHRISTOPHER THOMAS, 15, PENTWYN ROAD, AMMANFORD, SA18 2EY Date of Birth: 06/01/1979

Started: 18/09/2017
Company: CLYDESDALE FINANCE
Current Balance: £1519 Updated To: 15/09/2019
Account Type: LOAN
Payment Terms: £116 x 36 months

Account Status Details: (1 - 12 months)

Status Code: [0] 0 0 0 0 0 0 0 0 0 0 0
Balance: £1519 £1636 £1753 £1870 £1987 £2104 £2221 £2338 £2454 £2571 £2688 £2805

Account Status Details: (13 - 24 months)

Status Code: 0 0 0 0 0 0 0 0 0 0 0 U
Balance: £2922 £3039 £3156 £3273 £3390 £3507 £3624 £3740 £3857 £3974 £4091 £4208

C2 MR CHRISTOPHER THOMAS, 15, PENTWYN ROAD, AMMANFORD, SA18 2EY Date of Birth: 06/01/1979

Started: 24/01/2018
Company: THREE CLIFFS
Current Balance: £5016 Updated To: 04/08/2019
Account Type: HIRE PURCHASE / CONDITIONAL SALE
Payment Terms: £278 x 36 months

Account Status Details: (1 - 12 months)

Status Code: [0] 0 0 0 0 0 0 0 0 0 0 0
Balance: £5016 £5294 £5572 £5850 £6128 £6406 £6684 £6962 £7240 £7518 £7797 £8075

Account Status Details: (13 - 24 months)

Status Code: 0 0 0 0 0 0 U
Balance: £8353 £8631 £8909 £9187 £9465 £9743 £10021

C3 MR CHRISTOPHER THOMAS, 15, PENTWYN ROAD, AMMANFORD, SA18 2EY Date of Birth: 06/01/1979

Company: BARCLAYS Started: 08/01/2008

Updated To: 01/09/2019
Account Type: CURRENT ACCOUNT Current Balance: £0

Account Status Details: (1 - 12 months)

Status Code: [0] 0 0 0 0 0 0 0 0 0 0 0
Balance: £0 £0 £38 £1 £0 £0 £0 £0 £0 £0 £0 £0

Account Status Details: (13 - 24 months)

Status Code: 0 0 0 0 0 0 0 0 0 0 0 0
Balance: £0 £0 £361 £0 £0 £0 £0 £0 £0 £0 £0 £0

Account Status Codes (25+ months)

25 - 36 months: 37 - 48 months: 49 - 60 months: 61 - 72 months:

000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000

Report Generated On: 16/09/2019 Page 2 of 7

Credit Account Information (continued)
C4 MR CHRISTOPHER THOMAS, 15, PENTWYN ROAD, AMMANFORD, SA18 2EY Date of Birth: 06/01/1979

Company: BARCLAYS Started: 12/08/1994

Updated To: 01/09/2019
Account Type: CURRENT ACCOUNT Current Balance: £0

Account Status Details: (1 - 12 months)

Status Code: [0] 0 0 0 0 0 0 0 0 0 0 0
Balance: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0

Account Status Details: (13 - 24 months)

Status Code: 0 0 0 0 0 0 0 0 0 0 0 0
Balance: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0

Account Status Codes (25+ months)

25 - 36 months: 37 - 48 months: 49 - 60 months: 61 - 72 months:

000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000

C5 MR CHRISTOPHER THOMAS, 15, PENTWYN ROAD, AMMANFORD, SA18 2EY Date of Birth: 06/01/1979

Company: BARCLAYS Started: 03/11/2004

Settlement Date: 16/11/2017 Updated To: 10/12/2017
Account Type: CURRENT ACCOUNT Current Balance: SETTLED

Account Status Details: (1 - 12 months)

Status Code: [D] D D D D 0 0 0 0 0 0 0
Balance: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0

Account Status Details: (13 - 24 months)

Status Code: 0 0 0 0 0 0 0 0 0 0 0 0
Balance: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0

Account Status Codes (25+ months)

25 - 36 months: 37 - 48 months: 49 - 60 months: 61 - 72 months:

000 000 000 000 000 000 000 000 000 000 000 UUU UUU UUU UUU UUU

C6 MR CHRISTOPHER THOMAS, 15, PENTWYN ROAD, AMMANFORD, SA18 2EY Date of Birth: 06/01/1979

Started: 20/07/2017
Company: HBOS LLOYDS MORTGAGE
Current Balance: £114827 Updated To: 15/09/2019
Account Type: MORTGAGE
Payment Terms: £563 x 252 months

Account Status Details: (1 - 12 months)

Status Code: [0] 0 0 0 0 0 0 0 0 0 0 0
Balance: £114827 £115277 £115726 £116179 £116628 £117080 £117528 £117986 £118433 £118880 £119329 £119775

Account Status Details: (13 - 24 months)

Status Code: 0 0 0 0 0 0 0 0 0 0 0 0
Balance: £120224 £120669 £121113 £121561 £122004 £122451 £122893 £123347 £123789 £124230 £124675 £125115

Account Status Codes (25+ months)

25 - 26 months:
00

C7 MR CHRISTOPHER THOMAS, 15, PENTWYN ROAD, BETWS, AMMANFORD, SA18 2EY Date of Birth: 06/01/1979

Company: WELSH WATER (DWR CYMRU) LTD Started: 28/11/2004

Settlement Date: 21/07/2017 Updated To: 20/08/2017
Account Type: WATER Current Balance: SETTLED

Account Status Details: (1 - 12 months)

Status Code: [0] 0 0 0 0 0 0 0 0 0 0 0
Balance: £0 £316 £361 £406 £0 £0 £0 £44 £88 £132 £176 £221

Account Status Details: (13 - 24 months)

Status Code: 0 0 0 0 0 0 0 0 0 0 0
Balance: £265 £309 £353 £397 £0 £0 £0 £43 £87 £130 £174

Report Generated On: 16/09/2019 Page 3 of 7

Credit Account Information (continued)
C8 MR CHRISTOPHER THOMAS, 34, TALBOT ROAD, AMMANFORD, SA18 3BA Date of Birth: 06/01/1979

Company: O2 Started: 15/05/2011

Updated To: 18/08/2019
Account Type: COMMUNICATIONS Current Balance: £0

Account Status Details: (1 - 12 months)

Status Code: [0] 0 0 0 0 0 0 0 0 0 0 0
Balance: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0

Account Status Details: (13 - 24 months)

Status Code: 0 0 0 0 0 0 0 0 0 0 0 0
Balance: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0

Account Status Codes (25+ months)

25 - 36 months: 37 - 48 months: 49 - 60 months: 61 - 72 months:

000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000

C9 MR CHRISTOPHER THOMAS, 34, TALBOT ROAD, AMMANFORD, SA18 3BA Date of Birth: 06/01/1979

Started: 05/02/2019
Company: O2
Current Balance: £415 Updated To: 18/08/2019
Account Type: LOAN
Payment Terms: £14 x 36 months

Account Status Details: (1 - 12 months)

Status Code: [0] 0 0 0 0 0
Balance: £415 £429 £443 £456 £470 £484

C10 MR CHRISTOPHER THOMAS, 34, TALBOT ROAD, AMMANFORD, SA18 3BA Date of Birth: 06/01/1979

Started: 19/11/2004
Company: BARCLAYS BANK PLC
Current Balance: SETTLED Settlement Date: 21/07/2017 Updated To: 06/08/2017
Account Type: MORTGAGE
Payment Terms: £446 x 300 months

Account Status Details: (1 - 12 months)

Status Code: [0] 0 0 0 0 0 0 0 0 0 0 0
Balance: £0 £50188 £50438 £50675 £50930 £51172 £51432 £51671 £51910 £52155 £52392 £52635

Account Status Details: (13 - 24 months)

Status Code: 0 0 0 0 0 0 0 0 0 0 0 0
Balance: £52859 £53096 £53333 £53561 £53796 £54023 £54255 £54487 £54710 £54940 £55161 £55388

Account Status Codes (25+ months)

25 - 36 months: 37 - 48 months: 49 - 60 months: 61 - 72 months:

000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000

C11 MR CHRISTOPHER THOMAS, 34, TALBOT ROAD, AMMANFORD, SA18 3BA Date of Birth: 06/01/1979

Started: 30/11/2011
Company: THREE CLIFFS
Current Balance: SETTLED
Account Type: HIRE PURCHASE / CONDITIONAL Settlement Date: 16/12/2015 Updated To: 10/01/2016
Payment Terms: £151 x 48
SALE
months

Account Status Details: (1 - 12 months)

Status Code: [0] 0 0 0 0 0 0 0 0 0 0 0
Balance: £0 £0 £301 £452 £604 £755 £906 £1208 £1359 £1510 £1661 £1812

Account Status Details: (13 - 24 months)

Status Code: 0 0 0 0 0 0 0 0 0 0 0 0
Balance: £1964 £2115 £2266 £2417 £2568 £2720 £2871 £3022 £3173 £3324 £3475 £3627

Account Status Codes (25+ months)

25 - 36 months: 37 - 48 months: 49 - 50 months:

000 000 000 000 000 000 000 000 00

Report Generated On: 16/09/2019 Page 4 of 7

Credit Account Information (continued)
C12 MR CHRISTOPHER THOMAS, 34, TALBOT ROAD, AMMANFORD, SA18 3BA Date of Birth: 06/01/1979

Started: 05/01/2009
Company: BARCLAYCARD
Current Balance: SETTLED Settlement Date: 13/07/2017 Updated To: 06/08/2017
Account Type: CREDIT CARD
Credit Limit: £5660

Account Status Details: (1 - 12 months)

Status Code: [0] 0 0 0 0 0 0 0 0 0 0 0
Balance: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Payment Amount: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Previous Statement Balance: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Number of Cash Advances: - - - - - - - - - - - -
Cash Advance Amount: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Payment Code: N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
Promotional Rate Indicator: N N N N N N N N N N N N

Account Status Details: (13 - 24 months)

Status Code: 0 0 0 0 0 0 0 0 0 0 0 0
Balance: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Payment Amount: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Previous Statement Balance: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Number of Cash Advances: - - - - - - - - - - - -
Cash Advance Amount: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Payment Code: N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
Promotional Rate Indicator: N N N N N N N N N N N N

Account Status Codes (25+ months)

25 - 36 months: 37 - 48 months: 49 - 60 months: 61 - 72 months:

000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000

C13 MR CHRISTOPHER THOMAS, 34, TALBOT ROAD, AMMANFORD, SA18 3BA Date of Birth: 06/01/1979

Company: HOME RETAIL GROUP CARD Started: 24/09/2006

SERVICES Current Balance: SETTLED Settlement Date: 29/11/2013 Updated To: 01/12/2013
Account Type: CREDIT CARD Credit Limit: £1000

Account Status Details: (1 - 12 months)

Status Code: [0] 0 0 0 0 0 0 0 0 0 0 0
Balance: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Payment Amount: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Previous Statement Balance: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Number of Cash Advances: - - - - - - - - - - - -
Cash Advance Amount: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Payment Code: N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
Promotional Rate Indicator: N N N N N N N N N N N N

Account Status Details: (13 - 24 months)

Status Code: 0 0 0 0 0 0 0 0 0 0 0 0
Balance: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Payment Amount: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Previous Statement Balance: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Number of Cash Advances: - - - - - - - - - - - -
Cash Advance Amount: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Payment Code: N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
Promotional Rate Indicator: N N N N N N N N N N N N

Account Status Codes (25+ months)

25 - 36 months: 37 - 48 months: 49 - 60 months: 61 - 72 months:

000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000

Rental Information
Rental information shows details of your rental agreements with housing providers.

No data is present for this section of your report.

Report Generated On: 16/09/2019 Page 5 of 7

Previous Searches
Previous searches show the names of organisations that have seen or used some or all of the information recorded on your credit report within the past 12
months. Searches of your credit report should all have been made with your consent. Most will relate to credit applications you have made but some may
be routine checks by your lenders on accounts you already have. Quotation searches (including those made via price comparison websites), unrecorded
enquiries, identity verification checks and credit report applications are shown your copy of your report but are not seen by lenders and are not taken into
account when making credit decisions.

P1 MR CHRISTOPHER THOMAS, 34, TALBOT ROAD, AMMANFORD, SA18 3BA Date of Birth: 06/01/1979

Searched on: 13/06/2019

Searched by: TSB BANK PLC
Application Type: QUOTATION – MORTGAGE QUOTATION

Financial Associate Searches

Financial associate searches show when your credit report information has been seen because someone you are financially connected to has made an
application for credit or an unrecorded enquiry search has been carried out on the person you are associated with. This information is recorded for you on
your copy of your credit report only. It will not be seen by lenders.

No data is present for this section of your report.

Linked Addresses
Linked addresses are created by lenders when you move or when you tell us your previous addresses. This information shows addresses that you have
been connected with.

B1 MR CHRISTOPHER THOMAS, 34, TALBOT ROAD, AMMANFORD, SA18 3BA

Linked to: 15, PENTWYN ROAD, AMMANFORD, DYFED, SA18 2EY

Date of Information: 20/08/2017
Source: WELSH WATER (DWR CYMRU) LTD

WELSH WATER (DWR CYMRU) LTD

B2 MR CHRISTOPHER THOMAS, 15, PENTWYN ROAD, BETWS, AMMANFORD, SA18 2EY

Linked from: 34, TALBOT ROAD, AMMANFORD, DYFED, SA18 3BA

Date of Information: 20/08/2017
Source: WELSH WATER (DWR CYMRU) LTD

WELSH WATER (DWR CYMRU) LTD

CIFAS - The UK's Fraud Prevention Service

CIFAS aims to detect and prevent fraud and so protect innocent people whose names, addresses and other personal details are used fraudulently by others
in order to get credit, insurance or other products. If you see a CIFAS entry on your credit report, this will be for one of three reasons: (1) because you have
taken out CIFAS Protective Registration; or (2) an organisation has done so on your behalf, perhaps because they have lost data on a laptop, for example; or
(3) If a CIFAS Member organisation has put the entry on your report because you have been a victim of impersonation. Organisations who are Members of
CIFAS examine credit (and similar) applications very carefully and may contact you to make sure that you have applied for the credit yourself, and that you
are not being impersonated by a fraudster. If there is a CIFAS entry recorded in your name, and you require further information, you should contact the
CIFAS Member organisation at the address provided against the entry.

No data is present for this section of your report.

NOTICE OF CORRECTION
No data is present for this section of your report.

Report Generated On: 16/09/2019 Page 6 of 7

Useful Addresses
The following addresses will help you to contact lenders or other organisations if you want to ask them about information on your report.

CLYDESDALE FINANCE: THE AVENUE BUSINESS PARK, PENTWYN, CARDIFF, CF23 8LA

BARCLAYS: DATA EXCEPTIONS TEAM, PO BOX 4313, MANCHESTERM61 0AR

HBOS LLOYDS MORTGAGE: PERSONAL LENDING DECISIONS, THREE CITY PARK, THE DROVEWAY, HOVE, EAST SUSSEX, BN3 7AU

WELSH WATER (DWR CYMRU) LTD: NEWPORT ROAD ST MELLON CARDIFF SOUTH GLAMORGAN CF3 5WW

O2: FRAUD QUERIES: O2 FRAUD TEAM, SUITE N, ABC, MILLSHAW PARK LANE, LEEDS, LS11 0NE NON FRAUD QUERIES: CREDIT FILE REFERRALS, SUITE
P, ARLINGTON BUSINESS CENTRE, MILLSHAW PARK LANE, LEEDS, LS11 0NE

BARCLAYS BANK PLC: DATA EXCEPTIONS TEAM, PO BOX 4313, MANCHESTERM61 0AR

HOME RETAIL GROUP CARD SERVICES: ARG PERSONAL LOANS, ROYAL AVENUE, WIDNES, WA88 1AL

End of Report

Report Generated On: 16/09/2019 Page 7 of 7