Ready, steady… save!
You don’t need a chart to join in. Here are 2 ways to record your savings:
1. Cross it off
Pop a chart into your first post. Saved an amount? Cross it out! Read more »
£0.01 £0.02 £0.03
2. Write it down
Skip the chart and add updates to your first post. Read more »
“Another +£3 saved today. Go me!”
Use +£ before each new saving so it counts towards your total.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Credit History
Hello
Apologies if this is the wrong place - it's a general credit score question rather than loans in particular, but I couldn't see anywhere better.
How far back does your credit history actually matter? I was just looking at my credit report on equifax and was surprised to see that it gives five years of detail for everything. I thought for credit card type factors it was only one or two years that showed, and five years was how long it took CCJs etc to drop off. I'm not talking about major problems here, just the odd missed payment - never more than 1 month in arrears.
Apologies if this is the wrong place - it's a general credit score question rather than loans in particular, but I couldn't see anywhere better.
How far back does your credit history actually matter? I was just looking at my credit report on equifax and was surprised to see that it gives five years of detail for everything. I thought for credit card type factors it was only one or two years that showed, and five years was how long it took CCJs etc to drop off. I'm not talking about major problems here, just the odd missed payment - never more than 1 month in arrears.
0
Comments
-
Six years is what they say. Some stuff is disregarded after three years. Some stuff is disregarded if it is less than a certain amount.
Different institutions, different rules.Got Halifax Classic to reduce my interest rate by 5% woohoo - 10/06/08 Thanks MSE!
Another 3% shaved off 10/12/08
ANOTHER 4 % June 09:beer:0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 355.9K Banking & Borrowing
- 255K Reduce Debt & Boost Income
- 456.2K Spending & Discounts
- 248.4K Work, Benefits & Business
- 606.1K Mortgages, Homes & Bills
- 179.1K Life & Family
- 264K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.7K Read-Only Boards