Hi - I was wondering if you ever got this resolved or even a reply ? I have recently been refused an excellent role within finance post a credit check (despite the role not being classified as a controlled function by the FCA) and when I checked Experian, fully settled payday loans from 1 year ago were on my file - 1 loan, rolled over 6 months turned up a individual entries. I was only helping my husband in the short term in a new business start up and when I talked to Money Shop at the time, they never referenced it would have a negative impact on my report.