credit file, what does it hold?

lilly153

can anybody tell me what your credit file holds

will it contain all my debts? will it include the date the last payment was recieved on the debt? will it include any defauts if i have any

reason im asking is ive not checked it for about 5 years so cant remember what it includes, most of my debts i think will now be statue barred i am still paying some of the debts which i know i have to keep paying untill they are now cleared but if i apply for my file will all my debts find me now (i have moved and only a few have found me) also if they will now find me if i applied for my credit file will they be more likely to take me to court or apply for defaults etc because they know were i live if the debts have not reached statute barred

sorry for all the questions but best to know what im getting myself into before i apply for them

lilly153

can anybody help with the answers to this?

happy_bunny_2

May not contain all debts. Some just don't show up and any that have been 6 years since a default was issued should have dropped off.

Checking your file will probably trigger a new interest by the collection agencies as they sell on your info.

Not sure if it will contain last payment date, unless it can be seen via the account history.

Unless you fancy paying them all, I would leave it until you are sure the ones you don't want to pay are statute barred.

HTH

HB