Eureka Leasing What is a credit report?

What is a credit report?

Your credit report contains personal and financial information that provides insight into how well you handle your finances. It details any accounts, credit cards, loans, mortgages or any other form of finance you have held in the last six years.


What information does a credit report hold?
  • Personal information such as your name, address and date of birth.
  • Any aliases or names you have been previously known as.
  • Your address history over the last six years.
  • Information on the electoral roll, which enables lenders to confirm your identity.
  • Details of any credit applications you have made.
  • Information about any mortgages, credit cards or accounts you hold or have held in the last six years.
  • Financial associations you have with other people, such as joint accounts, mortgages, or loans.
  • Missed rentals or defaults on your account.
  • Court judgments, bankruptcies or IVAs.

“When you apply for credit, lenders use the information in your credit report to decide whether or not to give you credit.”

How detailed is the information in my credit report?

The detail held in your credit report will vary from lender to lender. Some creditors submit more information than others, choosing to give specific details about the amount you pay each month, whereas other lenders only confirm that a rental has been made.

Your credit file does not include information from your medical or criminal records, employment history, or any other personal information (such as your ethnicity or religion).

“You can obtain a full copy of your statutory credit report for £2, from any of the three credit reference agencies.”

Can I get a car lease if I have poor credit or no credit history?

If you have a bad credit history or your credit report shows any defaults, CCJs, IVAs or bankruptcies, you may find that you are refused car finance.

On the other hand, if you have never had to borrow money, you may think obtaining a car lease will be straightforward. Yet, the lack of a credit history makes it difficult for leasing companies to assess how financially responsible you are. With no evidence of how likely you are to meet monthly rentals, lenders may reject your car lease application.


At Eureka, we help people with poor credit to find a great car leasing deal. If you have poor credit or no credit history at all, you may still be able to secure a car lease that suits you.

At Eureka, we underwrite each deal ourselves and personally provide the finance.

Apply now

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