How far back credit file

Nickyno

Just wondered how far back my credit report goes and how do i access it?

[Deleted User]

Each of your three files goes back 6 years.

Clearscore, MSE Credit Club and Noddle.

dont_use_vistaprint

Credit agreements go back 72 months, financial associations go back much longer, at least 12 years with Experien. You access it by paying for their service or requesting a statutory free copy.

Iv'e not heard of the ones above but most lenders will search either Experien or Equifax

Nickyno

Thanks for your reply. Is there anyway of finding out credit history beyond the 6 years?

[Deleted User]

Only your own files or memory.

Nickyno

Thankyou. Any way of going back further than 12 years?

TadleyBaggie

See post #5.

[Deleted User]

Only if you’ve kept your own records.

But why?

dont_use_vistaprint

Nickyno wrote: »

Thankyou. Any way of going back further than 12 years?

Its a good question, I dont know if the DPA SAR could reasonably be used for this? you would need to know the companies and they would need to have data retention policies for that duration, but I expect they would, many companies retain data indefinitely without realising the implication for SAR's . The other option may be your banks transaction history

TubbyDown

I'm sure it only goes back 6 years?