Statute Barred Question

RunningFred

Hi

I think that one of my debts could now be statute barred - I have not paid nor acknowledged said debt for 7 years.

I have avoided checking my credit report during this time - just wondering if it would be ok to check now or would i be opening a can of worms - and if i do check what company would you suggest i use.

thanks
RF

[Deleted User]

You should check all three of your files, as different lenders report to different CRAs.

RunningFred

thanks how do i check my files? sorry really not up on this now ..... (will probably ask stupid obvious questions)

[Deleted User]

MSE Credit Club (Experian)
Clearscore (Equifax)
Noddle (Call Credit)

molerat

The only time checking your report would be bad (to you) is if you are hiding off grid. If you are a "normal" person with bank, mobile, and energy accounts and on the electoral roll then nothing will come of it.

https://www.moneysavingexpert.com/loans/check-free-credit-report

RunningFred

Brilliant - thanks guys that's a help - i am on all of the above