When you apply for credit or a loan, the lender will perform a credit check (sometimes called a credit search) so that they can look at the financial information held on your credit report. Your credit report will show information such as: Your name and date of birth. Your current and previous addresses. Whether you are on the electoral register. Your credit accounts, including bank and credit card accounts, outstanding loan agreements or utility company debts. Late or default payments will show, and stay on your credit report for at least six years. Financial associations. These are people you are financially linked with through joint credit. Public record information. This covers County Court Judgments (CCJs), bankruptcies and individual voluntary arrangements (IVAs). These stay on your report for at least six years. Banks and building societies. Only your overdraft is shown, not your balances or savings. Any convictions of fraud, or if someone has stolen your identity and committed fraud. Details such as salary, religion, or criminal convictions (other than fraud) are not included.