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I obtained a copy of my experian credit file and discovered an alleged historic debt to MINT going back 7 years. This is affecting my credit rating so I contacted MINT who immediately asked me a lot of personal questrions, including my address, to "try to determnine I was not the same person as their defaulting debtor". I am suspicious that if I give these details they will start chasing me actively for this debt which is not mine. I thought that an easier way to remove this entry was to point out that as the alleged debt arose over 6 years ago it was time barred so unenforceable. MINT have acknowledged having no contact from this person for 7 years but insist on maintaining this adverse entry. Does anyone know if one can force the removal of this entry on this ground? I have been referred to "The Crowther Report of 1971" which supposedly deals with this but am struggeling to find this.


Looking forward to some help, please!

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Guest ian cognito

Was the last contact regarding this debt 7 years ago, if so it should not be be still being processed to your credit file, the file will tell you when the debt was last updated. If ths is the case, the CRA should remove the reference to the debt seeing as they are the ones doing all the shouting about their entitlement to process for 6 years!

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