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Moon phases


How to check my credit file without alerting debt collectors?

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How to check my credit file without alerting debt collectors? Empty How to check my credit file without alerting debt collectors?

Post by jims45 on Fri Aug 17, 2018 5:26 pm

Hello all
I am 4 yrs 6 months without contact from anyone about my debts. I have moved several times and have no CCJ'S recorded at any previous address.  I have no assets and I am close to state retirement age, is it safe to use an agency to check my credit file?
I believe the debts have been sold on and all are unsecured Bank and Credit Card debts.
Thanks in advance

jims45
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Post by Ausk on Sun Aug 19, 2018 12:09 pm

If it were me I would let sleeping doges lie.

Using an agency to check my credit file is something i would consider if I be certain there would be no way of tracing back to me. However if the DC noticed and started questioning the credit agency i used then what?

Who knows what a few beers might reveal.

Others may have a different opinion.


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Post by daveiron on Sun Aug 19, 2018 12:27 pm

Hi jim,

I am a little ahead of you ,being retired. I have never seen my credit file ,& to be honest I could not care less.
I am sure that whilst there are no ccj's on there .There will be defaults. It has never had any effect on my lifestyle whatsoever .
I agree with Ausk ,leave well alone .
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Post by jims45 on Sun Aug 26, 2018 9:04 am

Advice taken I will keep a low profile. One more question if I may, I recently moved into an over 55's housing association apartment and have had to register for council tax and the voters list (I opted out of the open register).
I am guessing the DCA's have a better chance of finding me now?
Thank you so much for the replies Wink

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Post by jims45 on Thu Oct 18, 2018 5:58 pm

Bad news they have found me! Today I got a letter from Cabot Financial stating they have purchased my accounts (2 accounts in fact) totaling £7800.00 in arrears. Rolling Eyes

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