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  • FIRST POST
    • Marcstephens2112
    • By Marcstephens2112 4th Mar 18, 4:09 PM
    • 2Posts
    • 0Thanks
    Marcstephens2112
    Credit history
    • #1
    • 4th Mar 18, 4:09 PM
    Credit history 4th Mar 18 at 4:09 PM
    Giid afternoon,
    Is there a way to look at a complete credit history. Over the years I have had a number of loans, bought things on credit etc. I am keen to have a record of these.
    Many thanks
    Marc
Page 1
    • RG2015
    • By RG2015 4th Mar 18, 4:44 PM
    • 1,224 Posts
    • 715 Thanks
    RG2015
    • #2
    • 4th Mar 18, 4:44 PM
    • #2
    • 4th Mar 18, 4:44 PM
    Yes. You need to sign up the three main credit reporting agencies (CRAs) free of charge as follows.

    MSE Credit Club for Experian
    Clearscore for Equifax
    Noddle for Callcredit

    Once you have signed up to each and successfully verified your identity you will have access to your complete credit history.

    You will find all you need to know on the link below.

    https://www.moneysavingexpert.com/loans/check-free-credit-report
    • cjmillsnun
    • By cjmillsnun 4th Mar 18, 5:24 PM
    • 600 Posts
    • 732 Thanks
    cjmillsnun
    • #3
    • 4th Mar 18, 5:24 PM
    • #3
    • 4th Mar 18, 5:24 PM
    Sadly, no. Anything paid off is expunged from your records after 6 years from the payoff date.

    Although that does have a positive. Adverse credit is gone from either, 6 years from final payoff, 6 years from default date (if defaulted) or 6 years from judgement in the case of a CCJ.

    Any credit cards or bank accounts over a certain age won't appear on your reports at all (say you had an access card, that has morphed over the years)

    The links above are a good indicator for your current credit records, but beyond that, there is nothing.
    Last edited by cjmillsnun; 04-03-2018 at 5:27 PM.
    2.88 kWp System, SE Facing, 30 Degree Pitch, 12 x 240W Conergy Panels, Samil Solar River Inverter, Havant, Hampshire. Installed July 2012, acquired by me on purchase of house in August 2017
    • DCFC79
    • By DCFC79 4th Mar 18, 5:27 PM
    • 31,709 Posts
    • 19,995 Thanks
    DCFC79
    • #4
    • 4th Mar 18, 5:27 PM
    • #4
    • 4th Mar 18, 5:27 PM
    Giid afternoon,
    Is there a way to look at a complete credit history. Over the years I have had a number of loans, bought things on credit etc. I am keen to have a record of these.
    Many thanks
    Marc
    Originally posted by Marcstephens2112
    Its possible that the lenders will have a record of any loans you had but that would be just for your use.
    Can people stop loaning money/being a guarator to family/friends, it rarely ends well and you lose out as your money is gone or you get shafted with being a guarantor.
    • RG2015
    • By RG2015 4th Mar 18, 6:01 PM
    • 1,224 Posts
    • 715 Thanks
    RG2015
    • #5
    • 4th Mar 18, 6:01 PM
    • #5
    • 4th Mar 18, 6:01 PM
    Sadly, no. Anything paid off is expunged from your records after 6 years from the payoff date.

    Although that does have a positive. Adverse credit is gone from either, 6 years from final payoff, 6 years from default date (if defaulted) or 6 years from judgement in the case of a CCJ.

    Any credit cards or bank accounts over a certain age won't appear on your reports at all (say you had an access card, that has morphed over the years)

    The links above are a good indicator for your current credit records, but beyond that, there is nothing.
    Originally posted by cjmillsnun
    Thank you for correcting me. I misread the question.
    • Marcstephens2112
    • By Marcstephens2112 5th Mar 18, 7:53 AM
    • 2 Posts
    • 0 Thanks
    Marcstephens2112
    • #6
    • 5th Mar 18, 7:53 AM
    • #6
    • 5th Mar 18, 7:53 AM
    Thank you for our replies. The reason I am asking is PPI. I have noticed that there is a deadline and I am thinking it has got to be worth checking as you never know. The problem being that I cannot remember some of the lenders/credit companies over the years. So are you saying that if I have no paper work from beyond 6 years ago then I have no way of findng out?

    Aother question. I have signed up for the credit club and seen the free Experian credit report. I am assuming that if I signed up for one of the three it would show me the same information?
    Thanks again
    Marc
    Last edited by Marcstephens2112; 05-03-2018 at 7:57 AM.
    • zx81
    • By zx81 5th Mar 18, 8:14 AM
    • 16,869 Posts
    • 17,895 Thanks
    zx81
    • #7
    • 5th Mar 18, 8:14 AM
    • #7
    • 5th Mar 18, 8:14 AM
    Each CRA will only show you the accounts that are reported to it. These are unlikely to be identical.
    • RG2015
    • By RG2015 5th Mar 18, 8:36 AM
    • 1,224 Posts
    • 715 Thanks
    RG2015
    • #8
    • 5th Mar 18, 8:36 AM
    • #8
    • 5th Mar 18, 8:36 AM
    Each of my credit reports from MSE Experian, Clearscore and Noddle show all of the bank accounts and credit cards that I have.
    • RG2015
    • By RG2015 5th Mar 18, 1:19 PM
    • 1,224 Posts
    • 715 Thanks
    RG2015
    • #9
    • 5th Mar 18, 1:19 PM
    • #9
    • 5th Mar 18, 1:19 PM
    Thank you for our replies. The reason I am asking is PPI. I have noticed that there is a deadline and I am thinking it has got to be worth checking as you never know. The problem being that I cannot remember some of the lenders/credit companies over the years. So are you saying that if I have no paper work from beyond 6 years ago then I have no way of findng out?

    Aother question. I have signed up for the credit club and seen the free Experian credit report. I am assuming that if I signed up for one of the three it would show me the same information?
    Thanks again
    Marc
    Originally posted by Marcstephens2112
    The information on the link below may help you with PPI.

    https://www.moneysavingexpert.com/reclaim/ppi-loan-insurance
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