Your Experian Credit Report (printable version)

Your Experian Credit Score

Your score is 997 out of 999. This is an Excellent score.

Application Details
These are the details you gave us when you asked for your report. We have used this information to produce your report.

MRS LISA GEDDES-THOMAS Date of Birth: 06/10/1984

Present Address: 15, PENTWYN ROAD, DYFED, SA18 2EY

Other Addresses: 34, TALBOT ROAD, DYFED, SA18 3BA

Electoral Roll Information

This shows the dates that your name was registered on the electoral roll and the addresses you were recorded at.

Present Address

E1 LISA GEDDES-THOMAS, 15, PENTWYN ROAD, AMMANFORD, SA182EY

Supplied by: CARMARTHENSHIRE COUNTY COUNCIL From: 12/2017 to Present

Other Address/es

E2 LISA GEDDES-THOMAS, 34, TALBOT ROAD, AMMANFORD, SA183BA

Supplied by: CARMARTHENSHIRE COUNTY COUNCIL From: 10/2008 to 09/2017

Aliases
Aliases are created when lenders tell us of other names you have been known by or when you tell us of other names you have used. Your credit report will
include information recorded in these other names at the addresses you gave us when you applied for your report.

No data is present for this section of your report.

Financial Associations
Financial associations show details of anyone you are financially connected to. Financial connections can be created by joint accounts, joint applications,
joint court judgments, or from information you have given to us. For further information please see our important advice section at the end of your report.
When you apply for credit a lender may take into account financial information about people you are financially connected to.

L1 MRS LISA GEDDES-THOMAS, 15, PENTWYN ROAD, AMMANFORD, SA182EY Date of Birth: 06/10/1984

Associated with: MR CHRISTOPHER THOMAS Confirmed by: BARCLAYS

Type of Association: JOINT ACCOUNT
Date of Birth: 06/01/1979 Confirmed Date: 03/09/2017

L2 MRS LISA GEDDES-THOMAS, 15, PENTWYN ROAD, AMMANFORD, SA182EY Date of Birth: 06/10/1984

Associated with: MR CHRISTOPHER THOMAS Confirmed by: HBOS LLOYDS MORTGAGE

Type of Association: JOINT ACCOUNT
Date of Birth: 06/01/1979 Confirmed Date: 20/08/2017

Report Generated On: 16/09/2019 Page 1 of 6

Financial Associations (continued)
L3 MRS LISA GEDDES-THOMAS, 34, TALBOT ROAD, AMMANFORD, SA183BA Date of Birth: 06/10/1984

Associated with: MR CHRISTOPHER THOMAS Confirmed by: BARCLAYS

Type of Association: JOINT ACCOUNT
Date of Birth: 06/01/1979 Confirmed Date: 13/09/2009

Public Record Information

This section of your report includes any court judgments, debt relief orders, bankruptcies, individual voluntary arrangements or other similar public records.

No data is present for this section of your report.

Credit Account Information

Credit account information shows details of your credit agreements with lenders. If you have any queries about this credit account information and would
like to contact the lender yourself, there is a list of useful addresses contained within your report.

C1 MRS LISA GEDDES-THOMAS, 15, PENTWYN ROAD, AMMANFORD, SA18 2EY Date of Birth: 06/10/1984

Company: LLOYDS BANK NO 1 Started: 15/05/2002

Updated To: 04/08/2019
Account Type: CURRENT ACCOUNT Current Balance: £0

Account Status Details: (1 - 12 months)

Status Code: [0] 0 0 0 0 0 0 0 0 0 0 0
Balance: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0

Account Status Details: (13 - 24 months)

Status Code: 0 0 0 0 0 0 0 0 0 0 0 0
Balance: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0

Account Status Codes (25+ months)

25 - 36 months: 37 - 48 months: 49 - 60 months: 61 - 72 months:

000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000

C2 MRS LISA GEDDES-THOMAS, 15, PENTWYN ROAD, AMMANFORD, SA18 2EY Date of Birth: 06/10/1984

Company: BARCLAYS Started: 08/01/2008

Updated To: 01/09/2019
Account Type: CURRENT ACCOUNT Current Balance: £0

Account Status Details: (1 - 12 months)

Status Code: [0] 0 0 0 0 0 0 0 0 0 0 0
Balance: £0 £0 £38 £1 £0 £0 £0 £0 £0 £0 £0 £0

Account Status Details: (13 - 24 months)

Status Code: 0 0 0 0 0 0 0 0 0 0 0 0
Balance: £0 £0 £361 £0 £0 £0 £0 £0 £0 £0 £0 £0

Account Status Codes (25+ months)

25 - 36 months: 37 - 48 months: 49 - 60 months: 61 - 72 months:

000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000

Report Generated On: 16/09/2019 Page 2 of 6

Credit Account Information (continued)
C3 MRS LISA GEDDES-THOMAS, 15, PENTWYN ROAD, AMMANFORD, SA18 2EY Date of Birth: 06/10/1984

Started: 20/07/2017
Company: HBOS LLOYDS MORTGAGE
Current Balance: £114827 Updated To: 15/09/2019
Account Type: MORTGAGE
Payment Terms: £563 x 252 months

Account Status Details: (1 - 12 months)

Status Code: [0] 0 0 0 0 0 0 0 0 0 0 0
Balance: £114827 £115277 £115726 £116179 £116628 £117080 £117528 £117986 £118433 £118880 £119329 £119775

Account Status Details: (13 - 24 months)

Status Code: 0 0 0 0 0 0 0 0 0 0 0 0
Balance: £120224 £120669 £121113 £121561 £122004 £122451 £122893 £123347 £123789 £124230 £124675 £125115

Account Status Codes (25+ months)

25 - 26 months:
00

C4 MRS LISA GEDDES-THOMAS, 15, PENTWYN ROAD, BETWS, AMMANFORD, SA18 2EY Date of Birth: 06/10/1984

Started: 21/07/2017
Company: WELSH WATER (DWR CYMRU) LTD
Current Balance: £361 Updated To: 18/08/2019
Account Type: WATER
Payment Terms: £45 x 0 months

Account Status Details: (1 - 12 months)

Status Code: [0] 0 0 0 0 0 0 0 0 0 0 0
Balance: £361 £406 £452 £497 £542 £44 £88 £132 £176 £220 £264 £309

Account Status Details: (13 - 24 months)

Status Code: 0 0 0 0 0 0 0 0 0 0 0 0
Balance: £353 £397 £441 £485 £529 £0 £44 £88 £133 £177 £221 £266

Account Status Codes (25+ months)

25 - 25 months:
0

C5 MRS LISA GEDDES-THOMAS, 15, PENTWYN ROAD, AMMANFORD, SA18 2EY Date of Birth: 06/10/1984

Company: EE Started: 07/07/2015

Updated To: 15/09/2019
Account Type: COMMUNICATIONS Current Balance: £0

Account Status Details: (1 - 12 months)

Status Code: [0] 0 0 0 0 0 0 0 0 0 0 0
Balance: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0

Account Status Details: (13 - 24 months)

Status Code: 0 0 0 0 0 0 0 0 0 0 0 0
Balance: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0

Account Status Codes (25+ months)

25 - 36 months: 37 - 48 months: 49 - 50 months:

000 000 000 000 000 000 000 000 00

Report Generated On: 16/09/2019 Page 3 of 6

Credit Account Information (continued)
C6 MRS LISA GEDDES-THOMAS, 34, TALBOT ROAD, AMMANFORD, SA18 3BA Date of Birth: 06/10/1984

Company: EE (ORANGE) Started: 15/05/2011

Settlement Date: 31/07/2015 Updated To: 23/08/2015
Account Type: COMMUNICATIONS Current Balance: SETTLED

Account Status Details: (1 - 12 months)

Status Code: [0] 0 0 0 0 0 0 0 0 0 0 0
Balance: £0 £21 £21 £19 £18 £18 £20 £20 £20 £18 £19 £20

Account Status Details: (13 - 24 months)

Status Code: 0 0 0 0 0 0 0 0 0 0 0 0
Balance: £18 £18 £18 £17 £18 £17 £17 £18 £17 £18 £18 £18

Account Status Codes (25+ months)

25 - 36 months: 37 - 48 months: 49 - 51 months:

000 000 000 000 000 000 000 000 00U

C7 MRS LISA GEDDES-THOMAS, 15, PENTWYN ROAD, AMMANFORD, SA18 2EY Date of Birth: 06/10/1984

Started: 31/01/2011
Company: LLOYDS BANK CREDIT CARD
Current Balance: £110 Updated To: 04/08/2019
Account Type: CREDIT CARD
Credit Limit: £3000

Account Status Details: (1 - 12 months)

Status Code: [0] 0 0 0 0 0 0 0 0 0 0 0
Balance: £110 £80 £825 £30 £246 £128 £19 £116 £90 £33 £2029 £1973
Payment Amount: £46 £797 £351 £28 £122 £64 £75 £81 £24 £2029 £241 £160
Previous Statement Balance: £46 £797 £351 £28 £122 £64 £75 £81 £0 £2029 £241 £160
Number of Cash Advances: - - - - - - - - - - - -
Cash Advance Amount: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Payment Code: N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
Promotional Rate Indicator: N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

Account Status Details: (13 - 24 months)

Status Code: 0 0 0 0 0 0 0 0 0 0 0 0
Balance: £-5 £4 £10 £8 £53 £19 £253 £18 £668 £0 £37 £145
Payment Amount: £37 £29 £132 £102 £305 £59 £689 £16 £71 £443 £27 £41
Previous Statement Balance: £37 £29 £132 £102 £305 £59 £689 £16 £71 £443 £27 £41
Number of Cash Advances: - - - - - - - - - - - -
Cash Advance Amount: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Payment Code: N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
Promotional Rate Indicator: N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

Account Status Codes (25+ months)

25 - 36 months: 37 - 48 months: 49 - 60 months: 61 - 72 months:

000 000 000 000 000 000 000 000 000 000 000 000 000 000 000 000

Rental Information
Rental information shows details of your rental agreements with housing providers.

No data is present for this section of your report.

Report Generated On: 16/09/2019 Page 4 of 6

Previous Searches
Previous searches show the names of organisations that have seen or used some or all of the information recorded on your credit report within the past 12
months. Searches of your credit report should all have been made with your consent. Most will relate to credit applications you have made but some may
be routine checks by your lenders on accounts you already have. Quotation searches (including those made via price comparison websites), unrecorded
enquiries, identity verification checks and credit report applications are shown your copy of your report but are not seen by lenders and are not taken into
account when making credit decisions.

P1 MISS LISA GEDDES-THOMAS, 15, PENTWYN ROAD, AMMANFORD, SA182EY Date of Birth: 06/10/1984

Searched on: 01/07/2019

Searched by: FRESH INSURANCE INSURANCE QUOTATION
Application Type: QUOTATION – INSURANCE QUOTATION

P2 MRS LISA GEDDES-THOMAS, 15, PENTWYN ROAD, AMMANFORD, SA182EY Date of Birth: 06/10/1984

Searched on: 01/07/2019

Searched by: ROYAL & SUN ALLIANCE INSURANCE PLC
Application Type: QUOTATION – INSURANCE QUOTATION

P3 MRS LISA GEDDES-THOMAS, 15, PENTWYN ROAD, AMMANFORD, SA182EY Date of Birth: 06/10/1984

Searched on: 01/07/2019

Searched by: LIVERPOOL VICTORIA GENERAL INSURANC
Application Type: QUOTATION – INSURANCE QUOTATION

P4 MRS LISA GEDDES-THOMAS, 15, PENTWYN ROAD, AMMANFORD, SA182EY Date of Birth: 06/10/1984

Searched on: 01/07/2019

Searched by: INSURANCE INITIATIVES LTD
Application Type: QUOTATION – INSURANCE QUOTATION

P5 MRS LISA GEDDES-THOMAS, 15, PENTWYN ROAD, AMMANFORD, SA182EY Date of Birth: 06/10/1984

Searched on: 01/07/2019

Searched by: AGGREGATOR/BROKER QUOTATION VIA CDL
Application Type: QUOTATION – INSURANCE QUOTATION

P6 MISS LISA GEDDES-THOMAS, 15, PENTWYN ROAD, AMMANFORD, SA182EY Date of Birth: 06/10/1984

Searched on: 01/07/2019

Searched by: DEESIDE INSURANCE BROKERS LIMITED
Application Type: QUOTATION – INSURANCE QUOTATION

P7 LISA GEDDES-THOMAS, 15, PENTWYN ROAD, AMMANFORD, SA182EY Date of Birth: 06/10/1984

Searched on: 01/07/2019

Searched by: GROVE & DEAN LTD
Application Type: QUOTATION – INSURANCE QUOTATION

P8 MRS LISA GEDDES-THOMAS, 15, PENTWYN ROAD, AMMANFORD, SA182EY Date of Birth: 06/10/1984

Searched on: 05/08/2019

Searched by: UK INSURANCE LIMITED
Application Type: QUOTATION – INSURANCE QUOTATION

P9 MRS LISA GEDDES-THOMAS, 34, TALBOT ROAD, AMMANFORD, SA18 3BA Date of Birth: 06/10/1984

Searched on: 13/06/2019

Searched by: TSB BANK PLC
Application Type: QUOTATION – MORTGAGE QUOTATION

Financial Associate Searches

Financial associate searches show when your credit report information has been seen because someone you are financially connected to has made an
application for credit or an unrecorded enquiry search has been carried out on the person you are associated with. This information is recorded for you on
your copy of your credit report only. It will not be seen by lenders.

No data is present for this section of your report.

Report Generated On: 16/09/2019 Page 5 of 6

Linked Addresses
Linked addresses are created by lenders when you move or when you tell us your previous addresses. This information shows addresses that you have
been connected with.

B1 MRS LISA GEDDES-THOMAS, 34, TALBOT ROAD, AMMANFORD, SA18 3BA

Linked to: 15, PENTWYN ROAD, AMMANFORD, DYFED, SA18 2EY

Date of Information: 06/08/2017
Source: LLOYDS BANK CREDIT CARD

LLOYDS BANK CREDIT CARD

B2 MRS LISA GEDDES-THOMAS, 15, PENTWYN ROAD, AMMANFORD, SA18 2EY

Linked from: 34, TALBOT ROAD, AMMANFORD, DYFED, SA18 3BA

Date of Information: 06/08/2017
Source: LLOYDS BANK CREDIT CARD

LLOYDS BANK CREDIT CARD

CIFAS - The UK's Fraud Prevention Service

CIFAS aims to detect and prevent fraud and so protect innocent people whose names, addresses and other personal details are used fraudulently by others
in order to get credit, insurance or other products. If you see a CIFAS entry on your credit report, this will be for one of three reasons: (1) because you have
taken out CIFAS Protective Registration; or (2) an organisation has done so on your behalf, perhaps because they have lost data on a laptop, for example; or
(3) If a CIFAS Member organisation has put the entry on your report because you have been a victim of impersonation. Organisations who are Members of
CIFAS examine credit (and similar) applications very carefully and may contact you to make sure that you have applied for the credit yourself, and that you
are not being impersonated by a fraudster. If there is a CIFAS entry recorded in your name, and you require further information, you should contact the
CIFAS Member organisation at the address provided against the entry.

No data is present for this section of your report.

NOTICE OF CORRECTION
No data is present for this section of your report.

Useful Addresses
The following addresses will help you to contact lenders or other organisations if you want to ask them about information on your report.

LLOYDS BANK NO 1: PERSONAL LENDING DECISIONS, THREE CITY PARK, THE DROVEWAY, HOVE, EAST SUSSEX, BN3 7AU

LLOYDS BANK CREDIT CARD: PERSONAL LENDING DECISIONS, THREE CITY PARK, THE DROVEWAY, HOVE, EAST SUSSEX, BN3 7AU

BARCLAYS: DATA EXCEPTIONS TEAM, PO BOX 4313, MANCHESTERM61 0AR

HBOS LLOYDS MORTGAGE: PERSONAL LENDING DECISIONS, THREE CITY PARK, THE DROVEWAY, HOVE, EAST SUSSEX, BN3 7AU

WELSH WATER (DWR CYMRU) LTD: NEWPORT ROAD ST MELLON CARDIFF SOUTH GLAMORGAN CF3 5WW

EE: EE CREDIT REFERRALS, 6 CAMBERWELL WAY, DOXFORD PARK, SUNDERLAND, SR3 3XN

EE (ORANGE): EE CREDIT REFERRALS, 6 CAMBERWELL WAY,TW15 9DDOXFORD PARK, SUNDERLAND, SR3 3XN

End of Report

Report Generated On: 16/09/2019 Page 6 of 6