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.

What does a credit report summary tool do?

A credit report summary tool helps organise and summarise information from a credit report, including balances, missed payments, defaults, CCJs and other financial data.

Does this tool replace a full credit report?

No. The tool provides a summary or overview only and does not replace the original credit report provided by a credit reference agency.

Can lenders see the same information shown in the summary?

Lenders usually review detailed credit information directly from credit reference agencies and may also use their own internal scoring and underwriting systems.

Will using the credit report summary tool affect my credit score?

No. Using the tool does not perform a hard credit search and will not affect your credit score.

What credit issues may appear in a credit report summary?

A summary may include missed payments, defaults, CCJs, IVAs, debt management plans, balances, utilisation and account history depending on the information available.

Can I still get a mortgage if my report shows adverse credit?

Some lenders may still consider applicants with adverse credit depending on factors such as how recent the issues are, deposit size, affordability and overall application profile.

Is the credit report summary suitable for mortgage preparation?

The summary tool may help applicants understand their credit profile before speaking to a regulated mortgage adviser or making an application.

Credit file organiser

Credit Report Summary Tool

Log defaults, CCJs and other adverse entries so you can see what matters, what is recent and what may need explaining.

Make an enquiry View all calculators

Prepare before speaking to a broker Organise adverse credit entries, dates, balances and satisfied status in one place.

Useful starting points

Track defaults, CCJs and late payment markers.
See whether entries fall into recent 6 month, 1 year, 2 year or 3 year windows.
Export a CSV or PDF summary for your own records.

Build your credit report summary

Add each adverse entry separately. On mobile, each credit item is shown as its own card to make completion easier.

Defaults 0

CCJs 0

Default value £0

CCJ value £0

Last 6 months 0

Last 1 year 0

Last 2 years 0

Last 3 years 0

Tip: If an item has been settled, add the satisfied date. If it is still outstanding, leave that field blank.

Mobile view: complete one credit item card at a time, then use “Add another item” if you need more rows.

Name	Type	Date registered	Lender	Amount	Balance	Date satisfied	< £500	Registered age	Satisfied age	Removed date	6 months old	Last 6m	Last 1y	Last 2y	Last 3y	Remove

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

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.

Credit Report Summary Tool

Build your credit report summary

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