A Little Help

Mcozzy

InTheBrownStuff wrote: »

Hi,

A good way to find out who you owe and how much would be to check your credit report. If its the first time you've checked it you can even do it for free via trial. This will show you who is still showing as your creditors and hopefully eliminate future surprises when they come out of the woodwork.

HTH

Do you have a link with someone i can get a trial report from?

DON79

www.creditexpert.co.uk


but check out tigerfeet's link first!

hth

Mcozzy

tigerfeet2006 wrote: »

McCossy are any of these debts 6years old? When was the last time you paid any money to them? When was the last time you acknowledged any in writing? If any of this is over 6 years then you can send the statute barred letter.

brb with link

some of the older ones i have ignored compeltly and even when questioned over the phone denied it even being me

My Lloyds debt is still pretty fresh the last time i spoke to them was about 2 years ago. even then it was a polite up yours and leave me alone. Other than that i have responded to any letters or given out my information over the phone. I point blank refused after several slaggin matches

JPS29

just put free credit report into one of the search engines. I had my trial with experian which is one fo the main ones ued. There is also eqifax and another lesser used one, forgot the name though........

Mcozzy

Ok ty tried the one you sent me Don but it needed a card which i dont currently have, using my girlfirends account for the my wages. after all if its not in my name they cant have it lol

DON79

it does need the card but it won't charge the card if you cancel when the 30 days is up. does your Gf have a card you could use? It doesn't have to be a card in your name. Other than that, I think that you can still write off for a copy and it costs a small fee for this (think it is £2).

tigerfeet2006

Here's Martins article. Check all 3 agencies

http://www.moneysavingexpert.com/banking/credit-rating-credit-score

Mcozzy

Ill use my girlfriends when i get back home this evening and see whats on my report, Once ive got it ill let you know excatly whats on my file and if its better or worse than i thought

Then i can see where i go from there