Late payments over 6 years old

Cwatters

Hi all, I’m looking at applying for a mortgage in around 12 months time and want to clear a few things up before I do.
I’ve read that any late payments on your credit file will come off after 6 years. I was late on a payment back in 2012 and also 2010 but these are still showing on my credit file under the closed accounts part. Equifax is showing my score is ‘excelent’ With a score of 528 but I’m worried that although these late payments were 6 and 8 years ago that they will affect my application

Carrot007

Closed accounts have their six years of data frozen for another six years untill they drop off.


However wheather they are sent to "customers" is unclear. Each customer requests as much data as they want. Some will only request the last three years. It could be that "cutomers" can only request six years so they will never see it but I have no evidence either way. To be honest pretty muc heverything is on the last three years unless t here is something really bad so I would not pay it any more thought.


Just be sure top see a real all of market broker before you get a mortgage and make them aware. They will be more likely to be aware if it will be seen and in the best position to suggest a lender to you anyway. Do not use your bank or anything the estate agents suggest (for anything).

[Deleted User]

The account will be removed 6 years from the date it closes.

Ignore your scores and ratings as they’re not real and lenders don’t see it

Cwatters

Thanks for the advice!
I’ve also currently got 6 ‘active’ credit cards. Some of them I havnt used for years, all of them have always been payed on time and in full. With them all together I have a ‘credit limit’ of 26k, when ever I have used any of them I’ve only ever used a few hundred quid a worth. Am I better closing some of the accounts or keeping them open as it shows that I’m not dependent on all of the available credit?