CRA?? Help I dont undestand?!!!!

AjayVerma316

Could anyone please tell me how long an ACTIVE account payment history is recorded for all the CRA.

PLEASE DONT SAY SIX YEARS AS THIS IS NOT CORRECT this is only for SETTLED ACCOUNTS!!

I think equifax and callcredit are FOUR years
and experian is THREE YEARS!!!

DVB_3

I think you're correct - 3 years for Experian, 4 for Equifax (at least that's what I got on my reports).

AjayVerma316

same here! Any one eles comfirm my finding??

AjayVerma316

so no-one here has ordered there credit files hey?

AjayVerma316

guess no body cares.

stuwilky

patience.....

Reaper

If this is another question for your final year business project then you ought to be going direct to the sources (i.e. asking the CRAs) instead of here.

However as I have my Experian report to hand the explanation which comes with it says:

The last 12 months of payments are shown, and underneath there is a summary of the payment history over a period of 36 months (unless the status history shown is '8')

'8' by the way means the account has defaulted and been closed. Since the statutory report must include all the data they have on you that is the definitive answer. I don't know the answer to the other two off hand.

JasonW_2

Ajay, you seem to ask the same questions over and over. No offence intended, but you need to be a bit more patient in waiting for replies. It seems if you dont hear the reply you want, or dont get a reply (normally cos someone doesnt know the answer) you start another thread elsewhere on the forum and ask the same thing.

Lopo

Yes....well said, I agree....a tad flamingly annoying. :mad:

If you become annoying to others, people wont care to respond as has been well demonstrated...

Martinslovechild

AjayVerma316 wrote:

CRA?? Help I dont undestand

I'm not sure I undestand (sic) myself!!