Credit Checks

md_14uk

I've just run a credit check report using the free CreditExpert loophole (Here:- http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1149605730,95768,#free) and I've got a couple of questions...

1. How long should I expect loans cards etc to stay on my report? I was surprised to see stuff from the back end of 2002 on there!!! (all settled ofcourse!)

2. How can I find out more information on and item? I have a listing on there that I don't recognise who should I speak to to find out what it is?

Company Name:
Type: Credit/Store Card
Started: 15/10/2002
Balance: Settled
Credit Limit £300
Settled on 28/10/2002

Having never had a Barclaycard this was a bit of a surprise? It also seems strabge that this account was recorded as settled 13 days after opening!

frugglewump

md_14uk wrote:

1. How long should I expect loans cards etc to stay on my report? I was surprised to see stuff from the back end of 2002 on there!!! (all settled ofcourse!)

Credit agreements stay on the record for 6 years.

2. How can I find out more information on and item? I have a listing on there that I don't recognise who should I speak to to find out what it is?

Tell experian you didn't have the card or contact the card owner to find out why it's there. I'd go for contacting the card owner first as experian will only ask them to confirm their records.