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Hi Guys,

Its been a while since I was on here for one reason and another, but I have a few questions, a while back from 2000 to 2004 things got way out of control credit card debts etc.

I took loads of advice from this site and now Im just about getting things in order.

So I have lots of old debts pre 2004 I have been to court with a few and settled and paid up.

The question I have is I dont have a bank account or any cards and havent done since 2004, should I check my credit file and will it be clear of the past debts by now?

Also I just paid off the last installment from a court order should this also be removed?

Im also still getting the random letters for debts pre 2004

Thanks for your help with this

 

Dave


As a great man once said " All Men Can Fly But Some Only in One Direction"

 

Notts

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Yes certainly check CRA files for a free quick check try Noddle, but it is not always up to date. Equifax and Experian have 30 day free trials.

 

The entries on public records stay for 6 years from the date of judgement paid or not just the same as defaulted accounts which are removed on the 6th anniversary of the default date.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi

Thanks for the advice, I dont have a credit card how can I get my credit report without one?

 

Dave


As a great man once said " All Men Can Fly But Some Only in One Direction"

 

Notts

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You can get a £2 Postal Order and send it to Experian.

 

http://www.experian.co.uk/consumer/statutory-report.html


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Help keep it up and active, helping people like you.

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A debit card registered to your current address will be ok.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks

 

2 squid on its way

 

Dave


As a great man once said " All Men Can Fly But Some Only in One Direction"

 

Notts

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Please let us know the result!


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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