Hi Can a finance company post details of previous payments on your credit report for months previous, for example posting details of what was done in 2012, if they have never posted anything on your credit report previously, and that date is this year?

Some loans where over 9 months ago, they show as a outstanding balance and marked as satifisfactory but not settled.

Hi This company has never recorded on my credit file before. They have never searched my credit file before. Yet they have added entries from last year, can this be right, adding entries in one go that are over 9 - 12 months old?

Hi How should PDL companies recorded there entries in a credit report. I have multiple entries within my report when my understanding is that i have got one credit limit and it should be shown as a running total, or am i wrong?

Any thoughts?

Pay Day Express

Hi I was stupid enough to take out several payday loans with the same company. All but one have been cleared. I very recently noticed that the company in question has recorded them against my Credit File within the last week. The problem is that they are all recorded with outstanding balances even though they are months old. These loans have been paid back. It is even displayed as satisfactory on the status. Each one is recorded as a new account, affecting the credit score that I had displayed. Entries have been recorded for 2012 even though they have never shown up before on my report. I had checked my credit file in the last month and these entries were not recorded so these are new entries during that check. What should I do? This has been a total shock from the massive negative impact on my credit score from the concerned credit agency. The company in question has recorded information from 6 months back and given a last status of this year. My understanding of a Credit File was that they could only record forward, not entries six months back. Any advice would be appreciated.