Information Older Than 6 Years

as400

As a general rule will there be any information showing on a persons credit file that is older than 6 years?

Or does litterally anything beyond 6 years from today IE 19/02/2008 just not be on there?

Enfieldian

Information on closed accounts/CCJs/defaults should be gone after 6 years.

Linked addresses seems to stay on longer, although there should not be any information held relating to that address if it is over 6 years ago...

McKneff

I think you have to give them a month or so to give them time to process it.

Tixy

Yes

Information on accounts closed in the last 6 years may hold payment history information for the last 6 years the account was open.

Financial associate data can stay on indefinitely unless you file a notice of disassociation.

Linked address information may date back to more than 6years ago.

as400

Enfieldian wrote: »

Information on closed accounts/CCJs/defaults should be gone after 6 years.

Linked addresses seems to stay on longer, although there should not be any information held relating to that address if it is over 6 years ago...

SO if an account isn't closed it would still show information beyond 6 years?...

Tixy

If an account is open and not defaulted it will only show the last 6years worth of payment history.

as400

So in essence beyond say January 2008 my credit file should hold minimal if any information?...I have no associated debt or linked addresses.

Enfieldian

as400 wrote: »

SO if an account isn't closed it would still show information beyond 6 years?...

Nope. It would show the payment history for UP TO the last 6 years.

Of course the "UP TO" depends on how long the account has been running for...

MisterBaxter

Check any Notices of Correction as they seem to stay on until you ask for them to be removed.

chazzee

Can the status history of a settled account be removed upon request by a person to the credit agency if it is longer than six years old?