I have one search done by Wetcloths , but I am suprised I haven' t been searched on before,

How long does a search stay on credit file changed address, Equifax notified, if some one has done a runner isn. t Equifax the first place a dca would look?

I have one search done by Wetcloths ,

but I am suprised I haven' t been searched on before,

How long does a search stay on credit file changed address,

Equifax notified, if some one has done a runner isn. t Equifax the first place a dca would look?

Unrecorded searches have no impact on ''credit rating''

You credit report details how long and how much effect

searches impact.

I'll be more specific it was a trace by wetcloth, what are they looking for ?

Previous addresses, linked addresses, fiancial links(joint accounts).

electoral roll.

Basically looking for you.

Ergo ,why dont other dcas do this. they are not the only dca on my case

Are you checking just one CRA or all 3 major agencies,

Experian and Call Credit as well may have entries not

all DCAs/Creditors use just one agency.

So that means getting a further two credit files, do they share data?

NO sharing of data, also there are many ways of tracing

individuals other than CRAs.

Heard nothing for two years shall I keep head down ?

If they are not chaing you why not just keep a low profile.

In two minds, had a phishing letter from wetcloths if I reply and tell them I havent got a clue , who what when, am I opening up a can of worms? or keep schtum

In two minds, had a phishing letter from wetcloths if I reply and tell them I havent got a clue , who what when, am I opening up a can of worms? or keep schtum

Un;less Westcott have stated clearly what they are chasing ignore until they do.

If you want a free credit report get it here. I filled out their application form on line last night. very straight forward, even if you are not computer savvy. What is important is it is so easy to read very simple format. unlike Equifax , Everything in front of you easy to navigate.EQUIFAX told me that wetcloths had put a trace on me, not a problem, but with noddle they gave me the date and on what property.You do get adverts on their website,some for financial products, but with my **** poor credit rating they certainly wont be targeting me !

The problems I have found with Call Credit products are

that their services are not used by many major lenders,

and so their records are sometimes misleading as full up

to date information is not available.

The problems I have found with Call Credit products are

that their services are not used by many major lenders,

and so their records are sometimes misleading as full up

to date information is not available.

It had my gas bill which suprised me but that was up to date

I have been with Noddle since the very beginning and while it is easy to use, not all creditors use Call Credits services and as such, Noddle files can be a bit short of info

It had my gas bill which suprised me but that was up to date

Never seen a utility bill on CRAs unless there has been a problem, perhaps CC are desperate for custom.

Digressing, I got the £2 paper credit file from equifax, I found it hard work deciphering it

It does need reading with the covering notes an explanations.

• BRIGADIER2JCS you seem to be stalking me:-)
  
  

Yes, apparently I 've gone away, gone where on holiday!!

• BRIGADIER2JCS you seem to be stalking me:-)
  
  

Part of the site team ''job'' checking on threads subscribed to:madgrin:

Yes, apparently I 've gone away, gone where on holiday!!

That's a nasty marker to get stuck with.

Never seen a utility bill on CRAs unless there has been a problem, perhaps CC are desperate for custom.

nasty marker ! enlighten me