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Sub Prime Credit Thread Part III

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Comments

  • sscott5581
    sscott5581 Posts: 663 Forumite
    Part of the Furniture 500 Posts
    duggie1982 wrote: »
    So on that note. Most of my old debts are from 2003-2004, never contacted the lenders so would I be able to demand them all to remove adverse data from my credit files? Surley that would mean not having to wait the CRA's 6 years rule, if I have never contacted lenders.

    Can this be right?

    Yes this is correct. Go for it and get your files perfect!!
  • seeya23
    seeya23 Posts: 2,330 Forumite
    Good morning to all
  • seeya23 wrote: »
    Good morning to all

    morning.........
    littlewoods/littlewoods direct/marshall ward/kays/greatuniversal/empire stores/addittions/grattans/next/ambrose wilson.barclay card/cap1/bos/vanquis gold/vodafone/3 .dell finance/currys finance
    Official SOS Club number 009 - Dry until 18.11.2009
  • duggie1982
    duggie1982 Posts: 717 Forumite
    I think about 6 of my defaults are from o2 when I was younger.
  • duggie1982
    duggie1982 Posts: 717 Forumite
    Morning Seeya, Victor
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    CapitalOne appeared on my Experian report today. :)
  • duggie1982 wrote: »
    Morning Seeya, Victor

    sounds like you files may be clean soon fella.:j
    littlewoods/littlewoods direct/marshall ward/kays/greatuniversal/empire stores/addittions/grattans/next/ambrose wilson.barclay card/cap1/bos/vanquis gold/vodafone/3 .dell finance/currys finance
    Official SOS Club number 009 - Dry until 18.11.2009
  • TheEffect wrote: »
    CapitalOne appeared on my Experian report today. :)

    are you going to try f/direct in 6 months?
    think ive got 10 searches dropping of my ex this month
    littlewoods/littlewoods direct/marshall ward/kays/greatuniversal/empire stores/addittions/grattans/next/ambrose wilson.barclay card/cap1/bos/vanquis gold/vodafone/3 .dell finance/currys finance
    Official SOS Club number 009 - Dry until 18.11.2009
  • duggie1982
    duggie1982 Posts: 717 Forumite
    Might be!!! I was not trying to avoid paying as was going to originally do this but it does not do me any favours to have paid them as would be just satisfied defaults. I will have a look over my credit files and send letters of to the ones over 5 years as I believe I ignored all debt letters I received back then.
  • duggie1982
    duggie1982 Posts: 717 Forumite
    Off to a meeting so back in about an hour
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