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

    Hi

    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?
    thanks

    8 Comments

    Banned

    Experian

    Go through quidco and get cashback

    Stays on your record for 6 years

    so it should clear sept this year in theory

    I use ]http//ww…om/ 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.

    Original Poster

    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 ?

    Thanks

    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.

    Original Poster

    thanks hitman will hold off till then ....makes sense really but just needed to ask to be sure

    denandyas;8084771

    thanks hitman will hold off till then ....makes sense really but just … 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.
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