What is zilch loan and getting them removed

Giraffe76

Hi all,

Looking on my credit file last night and found zilch loan on there with £0 as a balance and it's been active for a few years but I don't know who they are or why they are on my file so how do I get them deleted please

Kind regards Mark 

Nasqueron

Zilch is a credit provider for short term buy now pay later (spreading payments over 6 weeks for example) - if you bought an item on BNPL then they may have used this provider. Assuming you did, then it has to stay there for 6 years from when it was taken out, after which time it will be removed per the normal finance rules.

https://www.zilch.com/uk/how-zilch-works/

If you have not used this service then you should complain to them reporting on your file

https://www.zilch.com/uk/contact/

Giraffe76

Nasqueron said:

Zilch is a credit provider for short term buy now pay later (spreading payments over 6 weeks for example) - if you bought an item on BNPL then they may have used this provider. Assuming you did, then it has to stay there for 6 years from when it was taken out, after which time it will be removed per the normal finance rules.

https://www.zilch.com/uk/how-zilch-works/

If you have not used this service then you should complain to them reporting on your file

https://www.zilch.com/uk/contact/

Hi, apologies for the delay in responding. i cant remember who if i actually did get finance from through zilch so i will have to complain about this.
Regards Mark

retiredbanker1

Is there an option on your credit report to click on the name to give more information?