Checking Credit History

83dons

I have recently claimed back £300 PPI missell on a bank of Scotland credit card using the template and helpful guidance from this site. Thanks. I previously have had about 10 credit cards in the last 15-20 years but do not have any paperwork for them anymore. How do I find out what ones I have had, the payments I made on them and repaid and whether or not I paid PPI for any of them? I might as well check back through my entire credit history for PPI. I would also like to help my mother do the same and she wont have kept any paperwork.

Thanks in advance

[Deleted User]

Send SAR letters to each likely lender (could be expensive at £10 a go), but be aware that there will be very few records going back 15-20 years.

83dons

What does SAR stand for is there a template available on here? I was more meaning how do I find out about all the accounts I have had first as I don't have the paperwork and would need to identify them all before writing letter to them all? Can you recommend any credit history websites where I can find out all the credit cards I have had in the last 20 years or so? Presumably it must be recorded somewhere...

[Deleted User]

Moneyineptitude wrote: »

be aware that there will be very few records going back 15-20 years.

See above, credit history websites invariably go back only six years.

SAR refers to a Subject Access Request, template here;
https://forums.moneysavingexpert.com/discussion/1475553

83dons

So your credit history gets wiped every 6 years I find that a little hard to believe! If have thought they would all be obliged to keep these details for a considerable amount of time.

I have had my personal bank account the entire time and any auto payments to credit cards will have been recorded in my transaction history. Is there any way to get a print out of an entire transaction history with a bank or do they also only go back 6 years? Presumably they would record and be able to identify what all transactions were such as monthly payments to a credit card? Thereby giving a way to identify which credit card companies I have been with over time?

For the last 6 years then which credit check websites are best to use?

antrobus

83dons wrote: »

So your credit history gets wiped every 6 years I find that a little hard to believe! If have thought they would all be obliged to keep these details for a considerable amount of time. ....

No, the Limitiation Act 1980 is quite plain. Six years is pretty much the standard.

83dons wrote: »

....I have had my personal bank account the entire time and any auto payments to credit cards will have been recorded in my transaction history. Is there any way to get a print out of an entire transaction history with a bank or do they also only go back 6 years? ....

6 years is the minimum, some banks' records might go back longer. Requesting a printout of any transaction history aka copy statement can cost you.

Requesting an SAR (see above) gets you everything they have for a £10.

83dons wrote: »

...Presumably they would record and be able to identify what all transactions were such as monthly payments to a credit card? Thereby giving a way to identify which credit card companies I have been with over time?....

Depends on how you paid the CCs. An electronic payment would leave a footprint; cheque no 705003 doesn't tell you a lot.

83dons

Bank of Scotland are sending bank statements going back 10 years free which is great as ill be able to see CC payments from that. However I have another 10 years history with them id like to look through. They must keep this stuff so is a SAR to BOS the next step as they wouldn't give me over 10 years worth stuff over the phone? its my data so im entitled to see it though I would guess if it exists?

83dons

They will have been paid by direct debit and most mention card name and account number in the statement I think.

[Deleted User]

83dons wrote: »

They must keep this stuff

No, as already stated, they don't have to keep it (longer than six years).

-taff

83dons wrote: »

However I have another 10 years history with them id like to look through. They must keep this stuff so is a SAR to BOS the next step as they wouldn't give me over 10 years worth stuff over the phone? its my data so im entitled to see it though I would guess if it exists?

You can send them a SAR but they are only obliged to keep data as long as necessary.