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    • gardenia82
    • By gardenia82 22nd Sep 16, 8:27 PM
    • 112Posts
    • 124Thanks
    gardenia82
    Questions Regarding my Experian Credit Report
    • #1
    • 22nd Sep 16, 8:27 PM
    Questions Regarding my Experian Credit Report 22nd Sep 16 at 8:27 PM
    So I've just received my report and I have some questions. Background: I have been in debt and I am at the very end of clearing it. I hope to be able to apply for a mortgage in approx 4/5 years with my partner who has an excellent credit report.

    1) Arrangements. I have some accounts with this status that are open but the debt is paid off. Under the arrangement section on one it says start 10/4 and end 2/15. Am I right in saying it is going to be on the report until six years from 2/15? And if so, should this impact a mortgage four years later, since it will be quite old by then? The max debt on this was only ever £1500. A second arrangement, also on an open account, says ended 5/16. Same question. This was only for £600. In total I have maybe four of these, all for around the same date. Total around £3.5k.

    2) Late payments. Will a marker of 1 or 2 months on an account that is open but has a zero balance, be a problem? The marker was maybe 8 months ago.

    3) I have a credit card with around £1000 debt on, and the limit is £300 but all the status codes are at zero and have been for a long time. This is the last debt I am paying off. Is this an issue on my credit report?

    4) I have a credit card on there I don't remember and am not aware of, though I think it may be linked to an old student account. It defaulted in 2011 and it shows there is £105 left on. This is obviously going to drop off soon. Will my contacting the company and paying the £105 create a problem on my account that currently is due to drop off shortly?
    Sealed Pot Challenge 2013 #1947 (open the pot on 28th November 2013!)
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Page 1
    • robber2
    • By robber2 22nd Sep 16, 10:33 PM
    • 103 Posts
    • 62 Thanks
    robber2
    • #2
    • 22nd Sep 16, 10:33 PM
    • #2
    • 22nd Sep 16, 10:33 PM
    1. yes it will have an impact
    2. yes
    3.yes
    4. no
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