What is the credit report summary tool?

The credit report summary tool allows you to enter details of your credit defaults, CCJs, arrears and credit card balances to generate a clear summary of your credit profile. It helps you and your broker identify potential issues before applying for a mortgage.

Do I need to input actual credit reference agency data?

No. The tool works based on the data you enter about your credit history. It doesn’t access your credit reference agencies directly. You should ensure the information entered is accurate and reflects your credit report.

Can the results be downloaded or shared with my adviser?

Yes. The tool offers an option to download or export the summary so you can share it with your mortgage broker or incorporate it into your application documentation.

Does using the tool guarantee a good credit score?

No. The tool provides a summary of your credit profile only. Whether you qualify for a mortgage still depends on lender criteria, affordability, income and other factors beyond the summary alone.

How often should I use the credit report summary tool?

You can use the tool whenever your credit profile changes significantly (for example you clear a default, pay off a CCJ, or take on new credit). It helps you track improvements and prepare for a mortgage application.

Credit Report Summary Tool

Log defaults, CCJs and other adverse items to see a clear summary.

No. of Defaults 0

No. of CCJs 0

Default Value (£) 0

CCJ Value (£) 0

Items in last 6 months 0

Items in last 1 year 0

Items in last 2 years 0

Items in last 3 years 0

Tip: Type each adverse entry on a row. Dates use the registration date for age calculations.

Name	Type	Date Registered	Lender	Amount (£)	Balance (£)	Date Satisfied	Less than £500	Time since registered	How long satisfied	Removed from credit report	Date when 6 months old	In last 6 months	In last 1 year	In last 2 years	In last 3 years	Remove

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Important information: Mortgage Bridge provides information only and acts as a mortgage introducer. We do not provide mortgage advice or make lender recommendations. We can introduce you to an FCA-regulated mortgage adviser who can provide personalised mortgage advice.