FYI. Credit ratings only go back 6 years!

martinbrooke

I wanted to discover whether I had PPI due back from a 2004/7 loan. Signed up with Equifax for £2 only to be told they and all the others like them can only go back 6 yrs under data protection blah blah blah. Not good. Now trying to get my £2 refund. Also this does not entitle you to know your credit score either. You have to pay £14.95 for that privilege.[/SIZE][/SIZE]

[Deleted User]

I am glad it doesn't go back any further than that, because then lenders could take it into account!

A credit score is totally worthless, it's up to you whether or not you want to pay £15 for a made-up number. The information contained in your credit report is the valuable part.

The lenders you think you took the PPI out with should be able to let you know if you did or not.

GingerBob_3

martinbrooke wrote: »

I wanted to discover whether I had PPI due back from a 2004/7 loan. Signed up with Equifax for £2 only to be told they and all the others like them can only go back 6 yrs under data protection blah blah blah. Not good. Now trying to get my £2 refund. Also this does not entitle you to know your credit score either. You have to pay £14.95 for that privilege.[/SIZE][/SIZE]

You could issue a Subject Access Request to Equifax (£10). On the assumption that they never actually delete any data about you, they are, in principle, obliged to provide you with the information you seek.

engineer_amy

GingerBob wrote: »

You could issue a Subject Access Request to Equifax (£10). On the assumption that they never actually delete any data about you, they are, in principle, obliged to provide you with the information you seek.

Something tells me that if the OP is fighting for a refund of £2, they would be unlikely to pay £10 to SAR on the off chance that the info has been retained.


OP - You don't need to know your score, its meaningless to anyone other than the CRA. All you need to know is whether your file is in a good or poor condition, which you will be able to tell from the info contained on the statutory reports

DCFC79

martinbrooke wrote: »

I wanted to discover whether I had PPI due back from a 2004/7 loan. Signed up with Equifax for £2 only to be told they and all the others like them can only go back 6 yrs under data protection blah blah blah. Not good. Now trying to get my £2 refund. Also this does not entitle you to know your credit score either. You have to pay £14.95 for that privilege.[/SIZE][/SIZE]

Don't waste your £14.95 on a score that means naff all.

Malmo

OP, how would a credit report indicate whether or not any PPI was applied to a historic loan? Have you approached the lender directly about the matter?

As others have said, there is no such thing as a central or universal credit score in the UK, so there is no point expecting one or paying for it, from any of the 3 Credit Reference Agencies. It is a nonsense number.