can I sue Next

matttye

The_Boss wrote: »

I have some old accounts on there that I had for 3-6 years. These were opened between 2002 and 2004. They only had 36 months data reported. So I assume that a change has come into place for accounts opened after around mid 2005. This covers the point relating to what Experian define as the minimum term and "up to 11 years" answers the question of how long payments appear on 'your' report. As you say though, lenders may not see the full period as we do.

I would hope they don't see 11 year old data! Bearing in mind a lot of credit decisions are made by a computer, it would be unjust for a computer to put any weight on an 11 year old late payment or such like. Even if that alone wouldn't be a decision to reject, it could tip the decision over the edge.