Credit report

[Deleted User]

Forgive me for asking what has probably been asked 5 million times but I am fairly new and accessig the site from work so i don't have time to scroll through millions of pages.

I just got my experian credit report from my free trial (greasypalm of course). On it are a LOT of things that are marked 'settled' is there anyway to remove them?? Why are they still there. They are from 2001.

Just for info I am not in any debt or anything and there is nothing bad on the report.

Thanks so much for your help.

Shelvis

fistfullofdollars

Dont worry, the defaults from 2001 will fall off your report at the end of this year. It takes 6 years from the default date for them to be removed regardless of if they are settled or not.

The whole point of the settled defaults are there as a warning to other creditors you may ask for credit to show that there have been problems in the last 6 years, but it has been sorted out.

[Deleted User]

But non of them have been defaults. They are all status 0 (payment up to date).

I just fail to see why these are still on there as I have actually only got a mortgage, current account and credit card now. Why am I still seeing things from years ago that I used to have and have now paid off in full. No defaults no badness

Baron_Greenback_2

shelvis wrote: »

But non of them have been defaults. They are all status 0 (payment up to date).

I just fail to see why these are still on there as I have actually only got a mortgage, current account and credit card now. Why am I still seeing things from years ago that I used to have and have now paid off in full. No defaults no badness

If they're all status 0 and show as settled this shows banks that you are creditworthy and can be regarded as +ve data, you really want this sort of stuff on your account.

[Deleted User]

Thank you.