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roverman

Removing Closed Accounts from File

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Has anyone had any success in removing closed payday accounts from their credit file?

Unfortunately a few years ago I took out these loans and paid them back on time so all good with no defaults or late payments.

The problem is they are screwing my credit file just by being there.

 

Thank you.

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no they are not

whats the real reason its poor/

 

 

dx


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"no they are not" what?

 

"What's the real reason it's poor" What does this mean?

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loans paid back in time do not negatively impact on your credit score,

even these short term ones so what else is there that could make a negative impact?

 

It may seem perverse but the PDL's may have improved your score if you had previously not had any loans or credit and score as neutral otherwise.

 

 

So, there is something else that is giving you the trouble if you have been rejected for credit.

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I have had many loans from high street lenders over the years.

I had a bad period in my life a few years ago with a health scare that meant I couldn't work and I got behind on my payments, not however with my mortgage or council tax.

I stupidly took out short term loans which as I said previously were all paid on time. But it is a fact that some high street lenders will not consider lending with these showing as they show poor financial management.

 

My credit rating is now fair to good and I'm trying to improve it further hence my original post. So I don't want to discuss my finances further, I just want to know if anyone has actually succeeded in getting the references to these past loans removed before the six years is up.

 

I respectfully ask that you please don't reply to my post unless you can answer my original question.

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irresponsible lending.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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