It contains detailed information about your current credit status and previous financial history. Things that will be included are:
* Any information you volunteer when filling out credit application forms, such as your current address, marital status and earnings
* Previous loans and credit history
* Your banking patterns and general financial management, known as ' white data '
* Defaults, bankruptcies and late payments, known as ' black data ', including court rulings on debt matters
* Criminal convictions ( in the US but not the UK )
* Publicly available data such as your electoral information
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