Credit files

EstellaK

Hi
I have just received my credit files and wondered about some of the info.
Is it 6 years that info stays on there- whether the info is good or bad??
Also, when does it drop off- is it the end date?

thanks
Stella

grumbler

See http://www.experian.co.uk/consumer/index.html
6 years for settled credit accounts, CCJs, judgments
12 months for credit searches.

EstellaK

what about defaulted accounts that have not been settled??

YorkshireBoy

They come off 6 years after the date you defaulted - whether 'satisfied' or not.

EstellaK

Thanks- is that standard practice or do I need to ask the credit agency to do that for me?

YorkshireBoy

EstellaK wrote:

Thanks- is that standard practice or do I need to ask the credit agency to do that for me?

I don't know - I've never had one!

Have you checked out the link that grumbler provided earlier in the thread?

EstellaK

I have looked- it doesnt really give that info though

thanks for your help though!

YorkshireBoy

EstellaK wrote:

I have looked- it doesnt really give that info though

Under 'Any Questions?'...

What should I do if I paid a defaulted account but my report hasn't been updated?

If you have paid a defaulted account in full, you should contact the lender (the address may be found at the end of your credit report) and ask them to update our records to show that the account is "satisfied". Or you can contact us and we will contact the company on your behalf.

We keep defaulted accounts on your report for six years from the date of default, whether or not the debt has since been paid.

EstellaK

Obviously I didnt look enough!!! Thanks

Should I contact the credit file company then and ask them to remove the ones that show a 1999 or early 2000 default date then?

Experian_company_representative

The credit reference agencies remove data automatically once it is over six years old.