I have checked my equifax credit file and it shows a late payment on an old orange account from July 2013. The account was settled in full in November 2016.The credit file also shows information going back to 2012. I have contacted equifax re removal of the late payment Marker to be told it doesn’t get removed until the account drops off my credit file in 2022. If this is the case then my late payments will have been on my account for 9 years .It was my understanding late payments drop off after 6 years, is this not the case.?
Brilliant, thanks. Is it ever worth saving time in the event they did want to send a claim through by asking the original creditor for the SAR? Rather than doing it within the 30 days or am I jumping the gun?
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!