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This version of your checkmy le Credit Report contains the underlying information reported to us about you, in an easy to compare format. The interactive analysis,
historical balances and limits of any credit accounts and the statistical graphs available in your online checkmyfile Credit Report are not provided in this version.
Produced for Ian Mccartney on 09 December 2019 - page 2 of 24 Credit Reporting Agency Ltd 2019 Personal and Confidential Document - Store and Destroy Securely
KEY OK Payment made on time
Produced for Ian Mccartney on 09 December 2019 - page 3 of 24 Credit Reporting Agency Ltd 2019 Personal and Confidential Document - Store and Destroy Securely
BARCLAYS - Current Account
EQUIFAX EXPERIAN TRANSUNION
LENDER No account information has been Barclays Barclays Bank Plc
ACCOUNT OPENED returned by Equifax matching these 22/11/2008 29/07/1999 with a balance of £62
account details.
ACCOUNT HOLDER Mr Ian Mccartney Mr Ian Mccartney
ADDRESS 24 Church Street, Stilton, 24, Church Street, Stilton,
Peterborough, PE7 3RF Peterborough, Cambridgeshire, PE7
3RF
DATE OF BIRTH 05/07/1977 05/07/1977
BALANCE £0 £0
LIMIT £450 £450
ACCOUNT TERMS Monthly Monthly since 29/07/1999
MONTHLY CHANGE No monthly change No monthly change
ACCOUNT STATUS Active Normal
PAYMENT HISTORY J F M A M J J A S O N D J F M A M J J A S O N D
19 OK OK OK OK OK OK OK OK OK OK - - 19 OK OK OK OK OK OK OK OK OK OK OK -
18 OK OK OK OK OK OK OK OK OK OK OK OK 18 OK OK OK OK OK OK OK OK OK OK OK OK
17 OK OK OK OK OK OK OK OK OK OK OK OK 17 OK OK OK OK OK OK OK OK OK OK OK OK
16 OK OK OK OK OK OK OK OK OK OK OK OK 16 OK OK OK OK OK OK OK OK OK OK OK OK
15 OK OK OK OK OK OK OK OK OK OK OK OK 15 OK OK OK OK OK OK OK OK OK OK OK OK
14 OK OK OK OK OK OK OK OK OK US OK OK 14 OK OK OK OK OK OK OK OK OK U OK OK
13 - - - - - - - - - - OK OK 13 - - - - - - - - - - - OK
KEY OK Payment made on time US Unknown status U Unclassified or recently opened account
Produced for Ian Mccartney on 09 December 2019 - page 4 of 24 Credit Reporting Agency Ltd 2019 Personal and Confidential Document - Store and Destroy Securely
BARCLAYS - Current Account
EQUIFAX EXPERIAN TRANSUNION
LENDER No account information has been Barclays Barclays Bank Plc
ACCOUNT OPENED returned by Equifax matching these 22/11/2008 08/12/2006 with a balance of £0
account details.
ACCOUNT HOLDER Mr Ian Mccartney Mr Ian Mccartney
ADDRESS 24 Church Street, Stilton, 24, Church Street, Stilton,
Peterborough, PE7 3RF Peterborough, Cambridgeshire, PE7
3RF
DATE OF BIRTH 05/07/1977 05/07/1977
BALANCE £0 £0
LIMIT £250 £250
ACCOUNT TERMS Monthly Monthly since 11/06/2007
MONTHLY CHANGE No monthly change No monthly change
ACCOUNT STATUS Active Normal
PAYMENT HISTORY J F M A M J J A S O N D J F M A M J J A S O N D
19 OK OK OK OK OK OK OK OK OK OK - - 19 OK OK OK OK OK OK OK OK OK OK OK -
18 OK OK OK OK OK OK OK OK OK OK OK OK 18 OK OK OK OK OK OK OK OK OK OK OK OK
17 OK OK OK OK OK OK OK OK OK OK OK OK 17 OK OK OK OK OK OK OK OK OK OK OK OK
16 OK OK OK OK OK OK OK OK OK OK OK OK 16 OK OK OK OK OK OK OK OK OK OK OK OK
15 OK OK OK OK OK OK OK OK OK OK OK OK 15 OK OK OK OK OK OK OK OK OK OK OK OK
14 OK OK OK OK OK OK OK OK OK OK OK OK 14 OK OK OK OK OK OK OK OK OK OK OK OK
13 - - - - - - - - - - OK OK 13 - - - - - - - - - - - OK
Produced for Ian Mccartney on 09 December 2019 - page 5 of 24 Credit Reporting Agency Ltd 2019 Personal and Confidential Document - Store and Destroy Securely
ANGLIAN WATER - Water
EQUIFAX EXPERIAN TRANSUNION
LENDER No account information has been Anglian Water Anglian Water Services
ACCOUNT OPENED returned by Equifax matching these 02/04/2009 02/04/2009 with a balance of £0
account details.
ACCOUNT HOLDER Mr Ian Mccartney Mr Ian Mccartney
ADDRESS 24 Church Street, Stilton, 24, Church Street, Stilton,
Peterborough, PE7 3RF Peterborough, PE7 3RF
DATE OF BIRTH 05/07/1977 05/07/1977
BALANCE £0 £0
LIMIT Not Applicable Not Reported
ACCOUNT TERMS Monthly Monthly since 02/04/2009
MONTHLY CHANGE No monthly change No monthly change
ACCOUNT STATUS Active Normal
PAYMENT HISTORY J F M A M J J A S O N D
19 OK OK OK OK OK OK OK OK OK OK OK - J F M A M J J A S O N D
18 OK OK OK OK OK OK OK OK OK OK OK OK 19 OK OK OK OK OK OK OK OK OK OK OK -
17 OK OK OK OK OK OK OK OK OK OK OK OK 18 OK OK OK OK OK OK OK OK OK OK OK OK
16 OK OK OK OK OK OK OK OK OK OK OK OK 17 OK OK OK OK OK OK OK OK OK OK OK OK
15 OK OK OK OK OK OK OK OK OK OK OK OK 16 - - - OK OK OK OK OK OK OK OK OK
14 - - - - - - - OK OK OK OK OK 15 - - - - - - - - - - - -
13 - - - - - - - - - - - -
Produced for Ian Mccartney on 09 December 2019 - page 6 of 24 Credit Reporting Agency Ltd 2019 Personal and Confidential Document - Store and Destroy Securely
PREMIUM CREDIT - Loan
EQUIFAX EXPERIAN TRANSUNION
LENDER Premium Credit Limited (I) No account information has been No account information has been
ACCOUNT OPENED 21/11/2013 with a balance of £299 returned by Experian matching these returned by TransUnion matching
account details. these account details.
ACCOUNT HOLDER Mr Ian Mccartney
ADDRESS 24 Church St, Stilton, Peterborough,
PE7 3RF
DATE OF BIRTH 05/07/1977
BALANCE £37
LIMIT Not Reported
ACCOUNT TERMS £37 Monthly for 12 months
MONTHLY CHANGE Not Reported
ACCOUNT STATUS Not Reported
PAYMENT HISTORY J F M A M J J A S O N D
19 OK OK OK OK OK OK OK OK OK OK OK -
18 OK OK OK OK OK OK OK OK OK OK OK OK
17 - - - - - - - - - - OK OK
16 - - - - - - - - - - - -
16 - - - - - - - - - U OK OK 16 - - - - - - - - - US OK OK 16 - - - - - - - - - U OK OK
15 - - - - - - - - - - - - 15 - - - - - - - - - - - - 15 - - - - - - - - - - - -
Produced for Ian Mccartney on 09 December 2019 - page 8 of 24 Credit Reporting Agency Ltd 2019 Personal and Confidential Document - Store and Destroy Securely
HYUNDAI CAPITAL UK - Hire Purchase
EQUIFAX EXPERIAN TRANSUNION
LENDER Hyundai Capital Uk Ltd (I) Hyundai Capital Uk Ltd Hyundai Capital Uk Ltd
ACCOUNT OPENED 30/03/2017 30/03/2017 30/03/2017 with a balance of £22,348
ACCOUNT HOLDER Mr Ian Mccartney Mr Ian Mccartney Mr Ian Mccartney
ADDRESS 24 Church St, Stilton, Peterborough, 24 Church Street, Stilton, 24, Church Street, Stilton,
PE7 3RF Peterborough, PE7 3RF Peterborough, PE7 3RF
DATE OF BIRTH 05/07/1977 05/07/1977 05/07/1977
BALANCE Closed 17 September 2019 (reported Closed 17 September 2019 (reported Closed 17 September 2019 (reported
until September 2025) until September 2025) until September 2025)
LIMIT Not Applicable Not Applicable Not Applicable
ACCOUNT TERMS £336 Monthly for 37m £336 Monthly for 37mths £336 Monthly since 30/03/2017 for 37m
MONTHLY CHANGE
ACCOUNT STATUS Not Reported Settled Normal
PAYMENT HISTORY J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D
19 OK OK OK OK OK OK U U S - - - 19 OK OK OK OK OK OK OK OK S - - - 19 OK OK OK OK OK OK VT VT VT - - -
18 OK OK OK OK OK OK OK OK OK OK OK OK 18 OK OK OK OK OK OK OK OK OK OK OK OK 18 OK OK OK OK OK OK OK OK OK OK OK OK
17 - - OK OK OK OK OK OK OK OK OK OK 17 - - OK OK OK OK OK OK OK OK OK OK 17 - - OK OK OK OK OK OK OK OK OK OK
16 - - - - - - - - - - - - 16 - - - - - - - - - - - - 16 - - - - - - - - - - - -
Produced for Ian Mccartney on 09 December 2019 - page 9 of 24 Credit Reporting Agency Ltd 2019 Personal and Confidential Document - Store and Destroy Securely
TESCO BANK - Credit Card
EQUIFAX EXPERIAN TRANSUNION
LENDER Tesco Bank Cards (I) Tesco Bank Tesco Bank
ACCOUNT OPENED 13/12/2012 with a balance of £0 13/12/2012 13/12/2012 with a balance of £99
ACCOUNT HOLDER Mr Ian Mccartney Mr Ian Mccartney Mr Ian Mccartney
ADDRESS 24 Church St, Stilton, Peterborough, 24 Church Street, Stilton, 24, Church Street, Stilton,
PE7 3RF Peterborough, PE7 3RF Peterborough, Cambridgeshire, PE7
3RF
DATE OF BIRTH 05/07/1977 05/07/1977 05/07/1977
BALANCE Closed 24 March 2017 (reported until Closed 24 March 2017 (reported until Closed 24 March 2017 (reported until
March 2023) March 2023) March 2023)
LIMIT Not Applicable Not Applicable Not Applicable
ACCOUNT TERMS Monthly Monthly Monthly since 13/12/2012
MONTHLY CHANGE
ACCOUNT STATUS Not Reported Settled Normal
PAYMENT HISTORY J F M A M J J A S O N D
J F M A M J J A S O N D
17 OK OK S - - - - - - - - - J F M A M J J A S O N D
17 OK OK S - - - - - - - - -
16 OK OK OK OK OK OK OK OK OK OK OK OK 17 OK OK OK S - - - - - - - -
16 OK OK OK OK OK OK OK OK OK OK OK OK
15 OK OK OK OK OK OK OK OK OK OK OK OK 16 OK OK OK OK OK OK OK OK OK OK OK OK
15 OK OK OK OK OK OK OK OK OK OK OK OK
14 OK OK OK OK OK OK OK OK OK OK OK OK 15 OK OK OK OK OK OK OK OK OK OK OK OK
14 OK OK OK OK OK OK OK OK OK OK OK OK
13 OK OK OK OK OK OK OK OK OK OK OK OK 14 OK OK OK OK OK OK OK OK OK OK OK OK
13 - - - OK OK OK OK OK OK OK OK OK
12 - - - - - - - - - - - OK 13 - - - - - - - - - - - -
12 - - - - - - - - - - - -
11 - - - - - - - - - - - -
Produced for Ian Mccartney on 09 December 2019 - page 10 of 24 Credit Reporting Agency Ltd 2019 Personal and Confidential Document - Store and Destroy Securely
SAINSBURY BANK - Credit Card
EQUIFAX EXPERIAN TRANSUNION
LENDER Sainsburys Bank Ltd (I) Sainsbury's Bank Ltd Sainsbury Bank Ltd
ACCOUNT OPENED 27/01/2014 with a balance of £0 27/01/2014 27/01/2014 with a balance of £0
ACCOUNT HOLDER Mr Ian Mccartney Mr Ian Mccartney Mr Ian Mccartney
ADDRESS 24 Church St, Stilton, Peterborough, 24 Church Street, Stilton, 24, Church Street, Stilton,
PE7 3RF Peterborough, PE7 3RF Peterborough, Cambs, PE7 3RF
DATE OF BIRTH 05/07/1977 05/07/1977 05/07/1977
BALANCE Closed 31 March 2017 (reported until Closed 31 March 2017 (reported until Closed 31 March 2017 (reported until
March 2023) March 2023) March 2023)
LIMIT Not Applicable Not Applicable Not Applicable
ACCOUNT TERMS Monthly Monthly Monthly since 27/01/2014
MONTHLY CHANGE
ACCOUNT STATUS Not Reported Settled Normal
PAYMENT HISTORY J F M A M J J A S O N D
J F M A M J J A S O N D J F M A M J J A S O N D
17 OK OK S - - - - - - - - -
17 OK OK OK S - - - - - - - - 17 OK OK OK S - - - - - - - -
16 OK OK OK OK OK OK OK OK OK OK OK OK
16 OK OK OK OK OK OK OK OK OK OK OK OK 16 OK OK OK OK OK OK OK OK OK OK OK OK
15 OK OK OK OK OK OK OK OK OK OK OK OK
15 OK OK OK OK OK OK OK OK OK OK OK OK 15 OK OK OK OK OK OK OK OK OK OK OK OK
14 OK OK OK OK OK OK OK OK OK OK OK OK
14 OK OK OK OK OK OK OK OK OK OK OK OK 14 OK OK OK OK OK OK OK OK OK OK OK OK
13 - - - - - - - - - - - OK
13 - - - - - - - - - - - - 13 - - - - - - - - - - - -
12 - - - - - - - - - - - -
Produced for Ian Mccartney on 09 December 2019 - page 11 of 24 Credit Reporting Agency Ltd 2019 Personal and Confidential Document - Store and Destroy Securely
SECURE TRUST BANK PLC - Loan
EQUIFAX EXPERIAN TRANSUNION
LENDER No account information has been Secure Trust Bank Plc Secure Trust Bank Plc
ACCOUNT OPENED returned by Equifax matching these 07/08/2016 07/08/2016 with a balance of £1,620
account details.
ACCOUNT HOLDER Mr Ian Mccartney Mr Ian Mccartney
ADDRESS 24 Church Street, Stilton, 24, Church Street, Stilton,
Peterborough, PE7 3RF Peterborough, Cambridgeshire, PE7
3RF
DATE OF BIRTH 05/07/1977 05/07/1977
BALANCE Closed 14 August 2018 (reported until Closed 14 August 2018 (reported until
August 2024) August 2024)
LIMIT Not Applicable Not Applicable
ACCOUNT TERMS £67 Monthly for 24mths £67 Monthly since 07/08/2016 for 2 yrs
MONTHLY CHANGE
ACCOUNT STATUS Settled Normal
PAYMENT HISTORY J F M A M J J A S O N D J F M A M J J A S O N D
18 OK OK OK OK OK OK OK S - - - - 18 OK OK OK OK OK OK OK S - - - -
17 OK OK OK OK OK OK OK OK OK OK OK OK 17 OK OK OK OK OK OK OK OK OK OK OK OK
16 - - - - - - - US OK OK OK OK 16 - - - - - - - U OK OK OK OK
15 - - - - - - - - - - - - 15 - - - - - - - - - - - -
ELECTORAL ROLL
Produced for Ian Mccartney on 09 December 2019 - page 12 of 24 Credit Reporting Agency Ltd 2019 Personal and Confidential Document - Store and Destroy Securely
ELECTORAL ROLL
The details you provide to the Electoral Roll each year are sold by your council to the Credit Reference Agencies. The agencies use this as the basic building block of your
Credit Report and add all other parts of your Credit Report to it. If you are not on the agency version of the Electoral Roll at your current address, this may impair your
ability to get credit, as lenders may suspect that they have not found your full Credit Report.Reported below are your current and previous Electoral Roll entries as
reported by each Credit Reference Agency.If the information reported by a Credit Reference Agency varies greatly (for instance if one reports a different start year at an
address) it will appear below as a separate entry.
Produced for Ian Mccartney on 09 December 2019 - page 13 of 24 Credit Reporting Agency Ltd 2019 Personal and Confidential Document - Store and Destroy Securely
24 Church Street, Stilton, PETERBOROUGH PE7 3RF
Produced for Ian Mccartney on 09 December 2019 - page 14 of 24 Credit Reporting Agency Ltd 2019 Personal and Confidential Document - Store and Destroy Securely
5 Roundhills View, Glatton, Huntingdon, PE28 5RB
EQUIFAX EXPERIAN TRANSUNION CREDIVA
NAME No information returned No information returned Ian I Mccartney No information returned
ADDRESS 5 Roundhills View, Glatton,
Huntingdon, PE28 5RB
CONFIRMED As a valid address
ER MATCHED 2007 to 2009
MARKETING Opted-Out
VERSION
Produced for Ian Mccartney on 09 December 2019 - page 15 of 24 Credit Reporting Agency Ltd 2019 Personal and Confidential Document - Store and Destroy Securely
26 Tirrington, Bretton, Peterborough, PE3 9XS
FINANCIAL ASSOCIATIONS
Produced for Ian Mccartney on 09 December 2019 - page 16 of 24 Credit Reporting Agency Ltd 2019 Personal and Confidential Document - Store and Destroy Securely
FINANCIAL ASSOCIATIONS
A Financial Association is created when you apply for credit jointly with another person, for example a spouse. These associations can remain long after the association is
no longer valid.
You can remove a Financial Association when all joint accounts have been closed. If the joint account is still open, for example a mortgage held in both names, the
association cannot be removed, even if there is no longer any other relationship between the two parties involved.
Produced for Ian Mccartney on 09 December 2019 - page 17 of 24 Credit Reporting Agency Ltd 2019 Personal and Confidential Document - Store and Destroy Securely
LINKED ADDRESSES
Produced for Ian Mccartney on 09 December 2019 - page 18 of 24 Credit Reporting Agency Ltd 2019 Personal and Confidential Document - Store and Destroy Securely
LINKED ADDRESSES
An Address Link is created typically when you move house, so that your credit history at your previous address can continue to be reported to lenders searching you at
your current address. Any unexpected Address Links may be an early warning of Identity Fraud.
If you wish to dispute the link you should contact the lender who created the address link in the first instance, to query why it has been reported on your Credit Report.
Produced for Ian Mccartney on 09 December 2019 - page 19 of 24 Credit Reporting Agency Ltd 2019 Personal and Confidential Document - Store and Destroy Securely
5 Roundhills View, PE28 5RB
SEARCH ACTIVITY
Produced for Ian Mccartney on 09 December 2019 - page 20 of 24 Credit Reporting Agency Ltd 2019 Personal and Confidential Document - Store and Destroy Securely
SEARCH ACTIVITY
Each time your credit le is searched, a footprint is created. Searches which relate to actual credit applications are used in Credit Scoring. When shopping around for
credit and when getting quotations, the prospective lender will make an Enquiry rather than a Search. Enquiries do not affect your Credit Score - they are recorded
simply as an audit footprint so that you can see who (or what type of lender) has been searching your Credit Report.
ENQUIRY FOOTPRINTS
Enquiries do not affect your Credit Score - they are recorded simply as an audit footprint so that you can see who (or what type of company) has been searching your
Credit Report.
Produced for Ian Mccartney on 09 December 2019 - page 21 of 24 Credit Reporting Agency Ltd 2019 Personal and Confidential Document - Store and Destroy Securely
EQUIFAX 29/09/2019 EQUIFAX 29/09/2019 EQUIFAX 29/09/2019 EXPERIAN 29/09/2019
Searched by LENDING WORKS Searched by ZOPA LTD Searched by PRICE COMPARISON Searched by MONEYSUPERMARKET
QUOTATION Mr Ian Mccartney WEBSITE Mr Ian Mccartney
Ian Mccartney 24 Church St, Stilton, Peterborough, Mr Ian Mccartney 24 Church Street, Stilton,
24 Church St, Stilton, Peterborough, PE7 3RF 24 Church St, Stilton, Peterborough, Peterborough, PE7 3RF
PE7 3RF PE7 3RF
Produced for Ian Mccartney on 09 December 2019 - page 22 of 24 Credit Reporting Agency Ltd 2019 Personal and Confidential Document - Store and Destroy Securely
AUDIT FOOTPRINTS
Audit footprints relate to all other accesses of your Credit Report and typically re ect your own access of your Credit Report. They are not seen by lenders or any other
parties and do not affect your Credit Score.
EQUIFAX 01/05/2019
Searched by IC: HIRERIGHT LTD
Ian Mccartney
48 Washingley Road, Folksworth,
Peterborough, PE7 3SY
Produced for Ian Mccartney on 09 December 2019 - page 23 of 24 Credit Reporting Agency Ltd 2019 Personal and Confidential Document - Store and Destroy Securely
END OF REPORT
This report is subject to the terms and conditions published on the checkmyfile website.
For greater detail, please refer to your checkmyfile online Credit Report.
Produced for Ian Mccartney on 09 December 2019 - page 24 of 24 Credit Reporting Agency Ltd 2019 Personal and Confidential Document - Store and Destroy Securely