credit files over 6 years old

14graham

Is there any way of accessing any financial commitments older than 6 years that are not now shown on your credit files.

ALIBOBSY

Unless the person had an old copy of a credit report I wouldn't have thought so. Even the lenders tend to say they have no documentation after 6 years.

TBH once it drops off the credit file it usually means the debt (if any debt is left) is statute barred ie. 6 years since the last payment or written acknowledgement of the debt as the 6 years tends to run from the date of default which is usually around the same date of the last payment so for most people and possible future lenders it becomes irrelevant.

Was there some specific information they/you are looking for?

Ali x

14graham

Thanks for the reply, yes i was contacted regarding PPI, i dont have any loans /cards etc recently but would have done outwith 6 years ago

fermi

CRAs 'should' have deleted the data for accounts over 6 years old that have come off the files, so usually no way you can get info from them.

SAR to the lender, as per 'closed accounts' section here

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#steps

for any past accounts in your name, may be the only way, if they have retained anything.

ALIBOBSY

If this was a PPI company all they will do is send a request-see Fermi's post above and send off a PPI questionaire for you. They do nothing else for a massive cut and they are a total rip off.

Use the info on MSE to do the claim yourself if you think it applied.

TBH though PPI companies will say they believe you had PPI just to get you to sign up with them as so many people did have it, BUT not ev1 did take it out and the PPI company cannot tell without going to the lender, which of course you can do yourself for free. Plus not ev1 was miss sold either.

Good Luck

Ali x

Ben8282

I think you may well find that any PPI claim would itself be statute barred.

redux

fermi wrote: »

CRAs 'should' have deleted the data for accounts over 6 years old that have come off the files, so usually no way you can get info from them.

I've noticed that Clearscore has some older information.

For example, account closed in 2011, some detail shown back into 2007.

So I surmise that they do keep information for longer, but don't necessarily always make it available.

I haven't cross checked this back to Equifax since I noticed it.

fermi

redux wrote: »

I've noticed that Clearscore has some older information.

For example, account closed in 2011, some detail shown back into 2007.

So I surmise that they do keep information for longer, but don't necessarily always make it available.

I haven't cross checked this back to Equifax since I noticed it.

That is different, as it relates to accounts that are still on your files as they closed and settled less than 6 years ago, and presumably not defaulted. For those the account data up to 6 years prior to the account settlement shows for 6 years after the settlement.

The case the OP describes is different in such that the accounts in question don't show at all, presumably as it is more than 6 years from default or settlement/closure. In those cases the CRAs should have dumped the data under the DPA, and should not be retrievable by them.

In other words, in 2017 when they drop your account, all the prior data should go with it. Not just from your file, but from their systems as well.

GingerBob_3

I suspect the CRAs keep the data they've accumulated about you for longer than six years. I would guess they never delete anything, ever; just archive it. Hit them with a Subject Access Request (£10 fee) to find out exactly what info they have on you, but as others have pointed out, for PPI purposes it's probably not worth it.

fermi

GingerBob wrote: »

I suspect the CRAs keep the data they've accumulated about you for longer than six years. I would guess they never delete anything, ever; just archive it. Hit them with a Subject Access Request (£10 fee) to find out exactly what info they have on you, but as others have pointed out, for PPI purposes it's probably not worth it.

They are allegedly supposed to delete it. Whether they actually do and how thorough or irreversible it is may be another matter. Very much doubt a CRA would cough up anything under a SAR, even if they had it in some backup they should not really have.

Possible exception being if they have archived snapshots of generated reports within the last 6 years, that show the prior data.

fermi