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What is zilch loan and getting them removed
Giraffe76
Posts: 292 Forumite
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
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
0
Comments
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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/
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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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.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/
Regards Mark0 -
Is there an option on your credit report to click on the name to give more information?0
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