Should I shred my CC statements?

Bisoy

Hi All,

We are moving to abroad soon hence my question if we need to shred our important documents such as credit card statements, current and savings account statements. I still keep some statements which is probably 6 years back?

cheers

never-in-doubt

Bisoy wrote: »

Hi All,

We are moving to abroad soon hence my question if we need to shred our important documents such as credit card statements, current and savings account statements. I still keep some statements which is probably 6 years back?

cheers

no need to keep them - onoly need the last 3 months as that is all that anyone will ever ask to see.

thriftymomma

You should shread any that you you are throwing out, or burn them.
Funny story, my old neighbour used to shred threm THEN burn them. He was odd.

chattychappy

I would keep a couple of recent ones and take abroad with you. You never know it might help you in some way - eg if applying for a credit card there to prove that you'd operated one before. Depends on which country - but some don't have the sophisticated credit checking methods of the UK and a genuine bit of paper can be handy.

Bisoy

Thanks guys for all replies. I know that the other important thing that we we have to do is to get copy of my credit report which I have done. How about tax certificates and savings account statements, am I safe to shred them as well?

PlutoinCapricorn

Would it be possible to scan them first, just in case?

chattychappy

For tax certificates I would be careful. It can take a while for the Inland Revenue to accept that you really are overseas and out of the tax system. Enquiries into that might spark some interest in your past income - so I would keep certificates just in case. Seems unlikely they'd be used for ID fraud.

I went through the non-resident thing.... HMRC were fine. But a mate's situation was more complex and they did dig around a bit to be sure his affairs were properly wrapped up.

You are under some obligation to keep tax certificates for a while - not sure how long - 7 years rings a bell, though that sounds a bit long.