Hi,
I am trying to tidy my credit files up. I had money trouble 4/5 years ago. I have been sensible since then.
I was wondering if anyone can help me:
1. Lowell etc are searching my files like mad. Does this affect my credit score?
2. If I have ignored an account and it went into default, does it fall off my file 6 years after the default or is it longer?
3. If there are credit accounts that I don't recognise do I do a data request (the £10 thing) or is it a SAR (I am not sure what the difference is)?
Thanks in advance.