credit reports - which one , where , and how to ..... - HotUKDeals
We use cookie files to improve site functionality and personalisation. By continuing to use HUKD, you accept our cookie and privacy policy.
Get the HUKD app free at Google Play

Search Error

An error occurred when searching, please try again!

Login / Sign UpSubmit

credit reports - which one , where , and how to .....

denandyas Avatar
6y, 8m agoPosted 6 years, 8 months ago

I'm looking to find out my credit report and need advise on who i can get it from for the least amount of money , and how to get a default status on one of the payments made in sept 2004 off the record as I think it is this that is affecting or giving me a low score .

When I checked last (2007) my scores were low especially with equifax , and I currently don't use a credit card and all prior payments have been paid and I have no other issues relating to my credit , accounts etc .

Does the record get wiped or cleaned by itself after a couple a year so that this default doesnt show up ? Or do I have to ring someone and clear it my self ...and if so who?
denandyas Avatar
6y, 8m agoPosted 6 years, 8 months ago

All Comments

(8) Jump to unreadPost a comment
banned 1 Like #1

Go through quidco and get cashback
Stays on your record for 6 years
1 Like #3
so it should clear sept this year in theory
1 Like #4
I use as it allows you to view your Experian, Equifax and Call Credit reports. It pays to check all three as the information they each contains can vary a great deal.
Thanks guys for your help , so its sept 2010 it would get wiped :( oh well ......Ive repped u all ......

can i ask though if I was applying for finance for a buisness or a mortgage, is it right to assume that this could effect what rate I would get due to the currrent poor rating ? And if I was to wait till after Sept 2010 would it be more preferential for me ?

Also in sept 2010 , will it automatically be cleared or do I have to actively do something ?

You should automatically have a clean slate come September 2010 although there are occasions when records are not updated so the relevant agency may need to be contacted if that happens.

I would probably hold off until you know your file is clean before applying for any credit at the moment as even a squeaky clean record does not guarantee you credit right now.
thanks hitman will hold off till then ....makes sense really but just needed to ask to be sure
thanks hitman will hold off till then ....makes sense really but just needed to ask to be sure

Its a real lottery at the moment so best to apply for credit when you know your record is clear.

Good luck and I hope all will be ok come September. Trust me, it can be a headache if you have to get anything removed from your credit file but I wouldn't think you'll have a problem.

Post a Comment

You don't need an account to leave a comment. Just enter your email address. We'll keep it private.

...OR log in with your social account

...OR comment using your social account

Thanks for your comment! Keep it up!
We just need to have a quick look and it will be live soon.
The community is happy to hear your opinion! Keep contributing!