How long to banks store bad data on you

[68boy]

Had a account downgrade with nation wide a few years ago

 

told it could be up graded in a year times

 

tried no success so

 

3 years on tried again

 

told I would have to Wait for 6 years after the default was settled

said they are some are gone after my credit file

 

but they told me the date of one in 2007

settle in 2011

 

how can they still see this check my credit file not showing on any of them

[filrobbo]

What?

[Bazooka Boo]

[68boy]

I was surprised that data I thought was removed (the default was with a diffrent company) they knew dates

[Bazooka Boo]

Sorry I'm still none the wiser?

 

What is the issue?

[68boy]

Sorry I'm still none the wiser?

 

What is the issue?

 

Sorry had a default in December 2007 settled it in 2011

 

a default account is removed at 6 years i e December 2013

but I was told I can not up grade my bank account till 6 years from settled date

I e 2017

 

is it common practice for your bank to store data on you like this

[Bazooka Boo]

So you were servicing the account (Debt) until you paid it off in 2011?

Although the default marker will drop off after six years, what is, or should be on your credit file now, is the info regarding your payments to it.

 

TBH, if you are trying to use the same bank I would vote with my feet and go elsewhere they have absolutely no loyalty to anyone.

[68boy]

The account is gone from from my credit file I can see not see it at all and thought it was the same for banks

[Bazooka Boo]

Are you still banking with them?

They are required to retain customers info for 6 years ''after'' the account is closed.

[68boy]

The default is from a credit card nothing to do with bank

[Bazooka Boo]

My head hurts...

 

Had a account downgrade with nation wide a few years ago told it could be up graded in a year times tried no success so 3 years on tried again told I would have to Waite for 6 years after the default was settled said they are some are gone after my credit file but they told me the date of one in 2007 settle in 2011 how can they still see this check my credit file not showing on any of them

 

No mention of a credit card anywhere.

 

I'm more confused now. Please what is the issue? What do you need help with?

 

If your credit file is clear then why would a bank be interested in a credit card?

[dx100uk]

if the 'debt' was from within the same banking 'group'

 

then they will never give you an upgrade.

 

dx

[68boy]

No it was bank of Scotland card had owed nothing to nationwide that's why I thought I was safe but when debit card came up for renewal they down graded it to basic they must have noted everything down on my credit file from then and used it now to base there decision on so hopefully go to some one new and they only see what's on my credit file now