Reassurance (long post)

[pinkfairy]

Hi I was wondering if one of the mods would be willing to put something in writing to reassure my other half.

 

Six years ago TODAY (15th Aug 2006)

I received the last of a series of defaults on my credit file following identity fraud.

 

I have posted on this site over the years for help and won against DCAs, including ones that tried to issue me with CCJs.

 

Thanks to absolutely rubbish help from the police I have never been able to prove who committed the fraud (I know who it was)

so have basically had to wait for a few defaults to drop off my file:

A couple of companies were more helpful including Halifax who wrote off £14,000 I alledgedly owed them when I proved it wasn't me.

 

I would like to assure my other half that after today my credit file is clean,

as in, the defaults are removed 6 years after being placed there.

 

I am going to apply for my credit file to physically show him in about two weeks (give the credit company a little while to remove the defaults),

but I would like to be able to show him something in the meantime

- so far he has only been able to take my word for it and is worrying that it will affect his credit status and ability to get a mortgage in the future.

 

 

I would like to take this opportunity to thank this site,

you saved a 24 year old girl who was scared of her own shadow losing sleep and turned her into a 30 year old woman

who smiles at the 'threatening' letters full of ifs, buts and maybes and is no longer afraid to admit it is her speaking on the phone when random callers ask.

 

Through this I have been able to help others and will always direct them to you guys. You are genuinely saving lives through this site.

[cerberusalert]

Once the defaults drop off that's it they cannot be re-registered.

 

A credit file only refers to the person not an address. It wouldn't have affected his credit rating unless you were financially associated i.e had a joint bank a/c etc.

 

If he is going to apply for a mortgage in the future, even if it was jointly with you those previous defaults on your record will no longer show.

[dx100uk]

the actual ICO text from their PDF is:

 

All references to a defaulted debt must be removed from your credit files after 6 years has passed from date of default,

whether paid off or not.

This is so that someone who continues paying something even after 6 years from default should not be at a disadvantage

to someone who pays nothing after default and ends up with a clean file after 6 years.

 

 

dx

[pinkfairy]

Thank you so much, I will show him this when he's home from work. I could only tell him so many times, I wanted to show him the actual legal wording x