Linked address to payday loan company on my credit report

Salyvation

Long story short.
I took out some payday loans back when I was younger and dumber.
Last one should drop off my report in June 2020 as I paid off and settled any PDLs in June 2014.
Whilst I'm gleeful at the prospect of the PDLs coming off my report, I looked closer noticed that in my linked address, the PDL company is also listed like so:

Linked Address Entry 3
Details of Linked Address
Date of information
29/12/2013
Source
INSTANT CASH LOANS LTD T/A PAYDAY EXPRESS
Entry code
B3

My question is, will these entries be removed from my credit report after the 6 year mark passes???
I'm wanting to apply for a mortgage at the end of the year and I'm conscious of lenders general disdain for PDLs.
Any insight is welcome...

sambaird

Address links are simply a historical record of when a lender has reported an address or change of address to a Credit reference agency.

Unlike account history they will remain on your file indefinitely if they are correct, and are accurate for the period stated. If they are incorrect, you can ask for them to be removed.

I think you may be overthinking how lenders will view an address entry on your file for something that is now over 6 years ago.

JimmyTheWig

Does the lender see the source of the address link?

[Deleted User]

sambaird wrote: »

Address links are simply a historical record of when a lender has reported an address or change of address to a Credit reference agency.

Unlike account history they will remain on your file indefinitely if they are correct, and are accurate for the period stated. If they are incorrect, you can ask for them to be removed.

I think you may be overthinking how lenders will view an address entry on your file for something that is now over 6 years ago.

I wonder, on what legal basis, these chumps at the CRAs can keep this data indefinitely, what with the requirement only to keep personal data "for as long as necessary". I can't think of any reason whatsoever why address data should be kept for, say, 40 years.


As for a bogus address link to a payday loan company (a potential problem if ever there was one!), tell the clowns to remove it or you'll report them to the ICO.