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Does anyone know how far back mdna search?

chanz4
chanz4 Posts: 11,057 Forumite
Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
in Credit cards
Does anyone know how far back mdna search?
thanks
Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.

Comments

  • INT1
    INT1 Posts: 1,257 Forumite
    Part of the Furniture Combo Breaker
    Search what?
  • System
    System Posts: 178,365 Community Admin
    10,000 Posts Photogenic Name Dropper
    I might be wrong but i dont belive they "search" anything at all. They will look at your credit file which in it has details from the past 6 years? am i mistaken?
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • INT1
    INT1 Posts: 1,257 Forumite
    Part of the Furniture Combo Breaker
    Yes thats right, your credit file is accessible to them and all creditors for the last 6 years.
  • lisyloo
    lisyloo Posts: 30,094 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    My experience with Equifax is that payment information (month by month) goes back 4 years although accounts stay on for 6.

    Is this right? and is it the same with Experian?

    It might be important if the OP has late payments more than 4 years old.
  • PNPSUKNET
    PNPSUKNET Posts: 4,265 Forumite
    thik the op maybe getting at some lenders only search back 3 years on applications?
  • stephane_2
    stephane_2 Posts: 3,076 Forumite
    MBNA search the full 6 years.....
  • stephane_2
    stephane_2 Posts: 3,076 Forumite
    beany_bot wrote: »
    I might be wrong but i dont belive they "search" anything at all. They will look at your credit file which in it has details from the past 6 years? am i mistaken?

    They will "search" your file to see how you're managing your accounts, electoral roll etc.....
    Some lenders will only search the last 3 years and if they see something not quite right they'll probably then search the full 6 years, and other like MBNA who will search your credit history for the last 6 years from the moment you apply
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