Yes. As part of your loan application we will request your credit report from Callcredit and other credit agencies.
Credit reference agencies give us a range of information about potential borrowers and guarantors as they hold certain information about most adults in the UK. The three main consumer credit reference agencies are Callcredit, Experian and Equifax. They are licensed by the Financial Conduct Authority (FCA), who is a financial regulatory body in the United Kingdom.
Most of the information held by the credit reference agencies relates to how you have maintained your credit and it also includes information from public sources such as the electoral roll, public records including county court judgments (CCJs), insolvency and bankruptcy data.
If you want to get your credit report, you can contact any of these credit reference agencies and request a copy of your credit reference file: