Credit rating?

[Alison82]

If you ask the bank or other lending company to remove any negative refrences from you file caused by their unlawful behavior, will late payments and being over your limit due to the charges also be removed?

eg: I brought a rug from ikea on my store card for £100 (I know-Birthday money). Being student I then got behind with a couple of payments in my final year which meant charges then more and more etc.. My balance then was something like £120 then; now it is £447. I know I can get the £327 back but does anyone think that there will their be a negative trail left behind one it is back to £120?

[H_R]

someone please answer this excellent question

[COOPMAN]

The only knowledge i have is that the credit reference agencys have information that tells you if you have missed any payments in the last three years. After the three years have elapsed it is off your credit report. I don't know if store cards report the information in the same way as credit card companys do. This does not apply to defaults.

[sarah13]

Originally Posted by COOPMAN

The only knowledge i have is that the credit reference agencys have information that tells you if you have missed any payments in the last three years. After the three years have elapsed it is off your credit report. I don't know if store cards report the information in the same way as credit card companys do. This does not apply to defaults.

its 6 years that the info is kept on your credit file