PDLs dropped off before 5 years on Equifax credit report?
sully1311
Posts: 380 Forumite
Hi,
I’ve noticed that 2 PDL’s that I’d stupidly taken out in 2015 (1 in July, 1 in Oct) have been removed from my Equifax/ClearScore report even though it’s been less than 5 years since they were opened or closed.
Does anyone know why this is? Should I expect them to drop off my Experian and TU reports?
I’ve noticed that 2 PDL’s that I’d stupidly taken out in 2015 (1 in July, 1 in Oct) have been removed from my Equifax/ClearScore report even though it’s been less than 5 years since they were opened or closed.
Does anyone know why this is? Should I expect them to drop off my Experian and TU reports?
0
Comments
-
Lucky you!0
-
sully1311 said:Hi,
I’ve noticed that 2 PDL’s that I’d stupidly taken out in 2015 (1 in July, 1 in Oct) have been removed from my Equifax/ClearScore report even though it’s been less than 5 years since they were opened or closed.
Does anyone know why this is? Should I expect them to drop off my Experian and TU reports?
Did you put a claim in against the lenders ?0 -
DCFC79 said:sully1311 said:Hi,
I’ve noticed that 2 PDL’s that I’d stupidly taken out in 2015 (1 in July, 1 in Oct) have been removed from my Equifax/ClearScore report even though it’s been less than 5 years since they were opened or closed.
Does anyone know why this is? Should I expect them to drop off my Experian and TU reports?
Did you put a claim in against the lenders ?
0 -
By any chance were they ICL / Moneyshop / PaydayUk / PaydayExpress Loans?
I’ve also noticed 3 (Moneyshop) disappear from my Equifax file this month about a year early. (Have to wait a couple of weeks before my Experian/TransUnion files update this via MSE/Credit Karma)I think this is probably due to the redress scheme (details at https://www.themoneyshop.com/) - but I haven’t heard anything directly from the company.
I’m making an assumption that if they have been removed from one at the direction of the company, there’s no particular reason why they shouldn’t be removed from the other 2.1 -
sully1311 said:DCFC79 said:sully1311 said:Hi,
I’ve noticed that 2 PDL’s that I’d stupidly taken out in 2015 (1 in July, 1 in Oct) have been removed from my Equifax/ClearScore report even though it’s been less than 5 years since they were opened or closed.
Does anyone know why this is? Should I expect them to drop off my Experian and TU reports?
Did you put a claim in against the lenders ?Maybe the entries being removed is part of the claim, just a thought.Have you checked Experian or MSE credit club ?Are they still listed there ?0 -
DCFC79 said:sully1311 said:DCFC79 said:sully1311 said:Hi,
I’ve noticed that 2 PDL’s that I’d stupidly taken out in 2015 (1 in July, 1 in Oct) have been removed from my Equifax/ClearScore report even though it’s been less than 5 years since they were opened or closed.
Does anyone know why this is? Should I expect them to drop off my Experian and TU reports?
Did you put a claim in against the lenders ?Maybe the entries being removed is part of the claim, just a thought.Have you checked Experian or MSE credit club ?Are they still listed there ?
Hopefully I’ll hear something from them soon.0 -
sambaird said:By any chance were they ICL / Moneyshop / PaydayUk / PaydayExpress Loans?
I’ve also noticed 3 (Moneyshop) disappear from my Equifax file this month about a year early. (Have to wait a couple of weeks before my Experian/TransUnion files update this via MSE/Credit Karma)I think this is probably due to the redress scheme (details at https://www.themoneyshop.com/) - but I haven’t heard anything directly from the company.
I’m making an assumption that if they have been removed from one at the direction of the company, there’s no particular reason why they shouldn’t be removed from the other 2.0 -
I’ve just been through the FAQs on the site: https://www.themoneyshop.com/FAQs
Q7 seems to confirm this is part of the claim process and our claims have been upheld - I suspect COVID may have delayed them sending updates to claimants.0 -
sambaird said:By any chance were they ICL / Moneyshop / PaydayUk / PaydayExpress Loans?
I’ve also noticed 3 (Moneyshop) disappear from my Equifax file this month about a year early. (Have to wait a couple of weeks before my Experian/TransUnion files update this via MSE/Credit Karma)I think this is probably due to the redress scheme (details at https://www.themoneyshop.com/) - but I haven’t heard anything directly from the company.
I’m making an assumption that if they have been removed from one at the direction of the company, there’s no particular reason why they shouldn’t be removed from the other 2.0
Categories
- All Categories
- 343.1K Banking & Borrowing
- 250.1K Reduce Debt & Boost Income
- 449.7K Spending & Discounts
- 235.2K Work, Benefits & Business
- 607.9K Mortgages, Homes & Bills
- 173K Life & Family
- 247.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 15.9K Discuss & Feedback
- 15.1K Coronavirus Support Boards