default should have come off when do i check ?

[Spent2much]

I know that all defaults will be over six years now and will have come off my credit score , but when can i look , it was August that I know it expired.
I'd like to know what me and my hubby's credit score looks like its been seven years since our debts became statute barred, although there are I think two that have been passed onto a dca and I've received letters but ignored as the debt is statute barred .

Thanks

[The Tech Clerk]

usually 1 month after 5/6/ years completed, i.i:- scotland/england

[nightwatch]

you could look now.
Different companys update the CRA file at differing times some every month, some quarterly so seeing it removed depends when they do it,

try Clearscore, it's free, I use it to see who has been checking me out.

[Joanna Connolly Solicitors]

I'd like to know what me and my hubby's credit score looks like its been seven years since our debts became statute barred, although there are I think two that have been passed onto a dca and I've received letters but ignored as the debt is statute barred

If your debts have been Statute Barred for seven years (or is that a typo?) then you have nothing to worry about since the only reason members are told not to check their CRA files is because it may alert creditors and/or debt purchasers to your existence.

If the debts are all SB then these creditors/debt purchasers can chase you all they like but they won't be getting any money from you

If you're certain the debts are SB (which includes Defaults not just last payment) then you can look at your CRA file as soon as you like, but as NW says the files may not update for at least a month, so maybe leave it until the end of October or early November just to be extra safe.

Di

[Spent2much]

I joined in 2012 , last payment was June 2012, so they are statute barred . I'm desperate to see my credit file .

[SA Gold]

I joined in 2012 , last payment was June 2012, so they are statute barred . I'm desperate to see my credit file .

Why not take a look. Here is to your SB

[Spent2much]

I'll have a look and let you know . thanks all .

[Spent2much]

very poor lmao. I only get carers allowance for over 40 hours a week what do i expect lol

[Joanna Connolly Solicitors]

very poor lmao . . . . what do i expect lol

Your CRA credit rating will be based on the absence of a good credit history as well as the presence of negative information. Not having defaults isn't enough to give you a good score.

Potential lenders look to see if you are currently maintaining accounts satisfactorily, such as a mortgage or credit card which you pay off in full each month. They are assessing and predicting your future performance based on your past. You need to build a past

I presume you are linked to your Hubby on your CRA file, so if he has anything negative that could impact on you.

Di

[Spent2much]

Your CRA credit rating will be based on the absence of a good credit history as well as the presence of negative information. Not having defaults isn't enough to give you a good score.

Potential lenders look to see if you are currently maintaining accounts satisfactorily, such as a mortgage or credit card which you pay off in full each month. They are assessing and predicting your future performance based on your past. You need to build a past

I presume you are linked to your Hubby on your CRA file, so if he has anything negative that could impact on you.

Di

Mortgage account is up to date been perfect since 2014 , so won't be any problems with that . Hubby is linked yes . I'm going to join another one and see the accounts and what they say on them I will look if the defaults have come off too .

[Spent2much]

Your CRA credit rating will be based on the absence of a good credit history as well as the presence of negative information. Not having defaults isn't enough to give you a good score.

Potential lenders look to see if you are currently maintaining accounts satisfactorily, such as a mortgage or credit card which you pay off in full each month. They are assessing and predicting your future performance based on your past. You need to build a past

I presume you are linked to your Hubby on your CRA file, so if he has anything negative that could impact on you.

Di

I've just seen that JD Williams have put a default on my account on 8 AUgust 2019 and this account has been statute barred for 7 years now .
Unless I am reading it wrong and it should come off by now , this is the information

Account type
Mail Order
Account number
**************1DAL 0
Account start date
12/07/2001
Opening balance
£ 639
Regular payment £
£ 2
Repayment frequency
Monthly
Date of default
30/09/2013
Default balance
£ 0

Husbands statute barred account saying late payment .

Account typeCredit Card Account number**************6710 0 Account start date15/06/2005 Opening balance£ 3,070 Repayment frequencyMonthly
Capquest Investments LTD £ 3,070 09/08/2019 Late payment

All other accounts seemed to be none existent it is just the above that we need to be able to get removed.
How do i do that please ? Should we dispute these accounts and capquest have been updating my husbands account saying late payments each month since October 2013 and balance remained the same no payment .

[Joanna Connolly Solicitors]

I've just seen that JD Williams have put a default on my account on 8 AUgust 2019 and this account has been statute barred for 7 years now .
Unless I am reading it wrong and it should come off by now , this is the information

Account type
Mail Order
Account number
**************1DAL 0
Account start date
12/07/2001
Opening balance
£ 639
Regular payment £
£ 2
Repayment frequency
Monthly
Date of default
30/09/2013
Default balance
£ 0

If I've understood what you've posted, the Default date is showing as 30th September 2013 for the mail order catalogue.

This means the account information will no longer show on your file from 30th September 2019 (six years later) which will be the week after next

If the last payment was seven years ago (2012) perhaps it should have been defaulted sooner than September 2013 (ICO says 3 - 6 months from breach of contract).

However it will vanish this month so maybe no need to tackle the issue unless you've been rejected for credit as a direct result of a potential error.

Di

[Spent2much]

thank you Di, can you advise about hubbys account please ?
He hasn't made any payment since 2012 so we are confused why it keep saying the following.
Husbands statute barred account saying late payment .

Account typeCredit Card Account number**************6710 0 Account start date15/06/2005 Opening balance£ 3,070 Repayment frequencyMonthly
Capquest Investments LTD £ 3,070 09/08/2019 Late payment

[The Tech Clerk]

A Phantom payment???, I would demand to be told the amount/who by/How/ date/time/place name of depositor giving them 7 days to respond! send Recorded Delivery & keep copy on file, maybe others have a different view but an aledged payment which is false is a no no in the real world/.

[Spent2much]

Thanks I will send that.