Obtaining Credit Report

DeanoSupernova

Hello friends! I am in need of some advice...

Ok so basically, when I was younger I was pretty silly with getting credit and then not paying it back, I ran up several debts. I was and still am suffering from depression and as what happens all to easily and all too often, I buried my head in the sand and ignored them.

Now, almost thirty, older and a bit wiser, I am trying to get myself together and deal with all of my debts which play a big part in my depression.

The thing is, when I obtained a credit report last time, about 3 years ago, it showed nothing. Now I think this is possibly for a couple of reasons.

1. I didn't and still don't have previous addresses and the dates that I lived there...how do I go about getting these? Who actually remembers!?

2. Is it true that debts over 6 years are wiped out? Majority of my debts will be around 10 years old.

3. I don't think I have been on the electoral register in many, if any of the properties that I have lived in.

So all in all, how do i go about obtaining a complete and comprehensive credit report so I can understand what i owe and to whom?

Thank you for your help in advance.

[Deleted User]

Which CRA did you check? Did the others show anything? That should be your first action, to check all 3.

Debts aren't wiped after 6 years, but they can be unenforceable if not acknowledged in that time.

With regard to your addresses - I think most of us remember where we have lived. But we can't really help you with that. Could you ask your parent/friends/check old paperwork.

DeanoSupernova

I believe it was Experian...I know I didn't do all three because i didn't have addresses and dates.

Of course I remember where I have lived but not the dates, I was fairly unstable when I was younger so had moved a good few times trying to find stability...the irony.

[Deleted User]

Approximate dates will be good enough.