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    • helpmegetamortgage
    • By helpmegetamortgage 7th Oct 17, 6:08 PM
    • 2Posts
    • 0Thanks
    helpmegetamortgage
    Old account help?!
    • #1
    • 7th Oct 17, 6:08 PM
    Old account help?! 7th Oct 17 at 6:08 PM
    Hi guys

    Hoping someone can answer my question after trawling google for hours and nobody can help!!

    I have checked my credit score on, experian, ClearScore and noddle and they all seem to report different things and scores, which I am aware can happen. Anyway, a few years ago when I was daft and young, I took out 2 lending stream loans which admittedly I have never paid back (although they never contacted me - I know not the point!). Some credit agencies show the accounts and some don't, however, when they are reported they are reported as "payments up to date" and never actually reported as defaulted!!!! Does this mean they will never come off my report as technically they have it defaulted? Also, would you pay them or wait until they come off my report? The are 4 year old accounts and they have never contacted me to pay.

    Any help would be appreciated.

    Thanks guys
Page 1
    • zx81
    • By zx81 7th Oct 17, 6:16 PM
    • 14,403 Posts
    • 15,201 Thanks
    zx81
    • #2
    • 7th Oct 17, 6:16 PM
    • #2
    • 7th Oct 17, 6:16 PM
    You'll need to contact them. Without defaulting or being paid, they could remain indefinitely.

    I'd be looking to get them off, one way or another.
    • helpmegetamortgage
    • By helpmegetamortgage 7th Oct 17, 7:15 PM
    • 2 Posts
    • 0 Thanks
    helpmegetamortgage
    • #3
    • 7th Oct 17, 7:15 PM
    • #3
    • 7th Oct 17, 7:15 PM
    Hi thanks for your reply..

    I forgot to mention that I have called to pay before and they didn't have my account information on file!!!
    • zx81
    • By zx81 7th Oct 17, 7:32 PM
    • 14,403 Posts
    • 15,201 Thanks
    zx81
    • #4
    • 7th Oct 17, 7:32 PM
    • #4
    • 7th Oct 17, 7:32 PM
    In that case, raise a dispute with the CRAs.
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