debt

frenchplonka

say if i have historical debt that is under 5 years old think mobiles vanquis etc plus a few letters coming from debt recovery sites is there anywhere I can find out who i owe and what i owe assuming i no longer have a clue what I owe apart from the debt letters?

sambuca9

Get your credit reports, they will show 6 years worth of history which should give you an idea. You should get the reports from all 3 CRA's, they cost £2 each for the statutory reports.

Hope that helps

frenchplonka

sambuca9 wrote: »

Get your credit reports, they will show 6 years worth of history which should give you an idea. You should get the reports from all 3 CRA's, they cost £2 each for the statutory reports.

Hope that helps

Mind if i ask who the 3 bodies are? I will def get this done on my next wage day and come to an arrangement with all the parties to clear what ever it is i have outstanding.

Once i put a plan in place how soon will my credit score/profile to to recover at the minits prob at zero but i understand the score is irrelevent

MEM62

frenchplonka wrote: »

Once i put a plan in place how soon will my credit score/profile to to recover at the minits prob at zero but i understand the score is irrelevent

You credit profile will start to improve as soon as you start doing something about it. You need to build a more positive history. Depending on how bad the history is it may take some time before lenders will view you positively enough to start lending again - or even lend at reasonable rates.

National_Debtline

frenchplonka wrote: »

Mind if i ask who the 3 bodies are? I will def get this done on my next wage day and come to an arrangement with all the parties to clear what ever it is i have outstanding.

Hi

The three main credit reference agencies in the UK are Experian, Equifax and Call Credit.

www.experian.co.uk

www.equifax.co.uk

www.callcredit.co.uk


You can check the information held by Call Credit for free on www.noddle.co.uk

James
@natdebtline