credit file update

joannerb

:hello: hello i wonder if anyone can help, I have had a look at my credit file and there is a credit card on there which i have not paid for 8 years, i thought that you could get items removed if they have been there 6 years or more if you can could someone please tell me how you do this thanks joannerb.

sscott5581

When was your file last updated by the lender?

Daisy_Duck

joannerb wrote: »

:hello: hello i wonder if anyone can help, I have had a look at my credit file and there is a credit card on there which i have not paid for 8 years, i thought that you could get items removed if they have been there 6 years or more if you can could someone please tell me how you do this thanks joannerb.

When you say you've not paid it for 8 years, does this mean that the account was closed 8 years ago?
If it was then it should have dropped off.
If it has been left open even though you've not been using it, then my understanding would be that it will stay on your file.

DD

joannerb

sscott5581 wrote: »

When was your file last updated by the lender?

thanks for replying sscott 55881

im not quite sure but they keep handing my credit card details onto different lenders, the thing is i thought that after 6 years you could get the information removed altogether does this mean it could be kept on my file for years or could you tell me how long it might stay on my file, or do you think it would be an idea to write to experian credit file company for more information about this, im able now to get credit with a credit card and catalouges but i want this other one removed from my file so if you can help again sscott 55881 thanks joannerb.

cifpower

You took your time coming back!

You have to request the card to be closed and it will be removed six years after this date. Although the card is not being used it is still technically active.

PROLIANT

Guy's, what the OP is saying is that the card was bumped i.e. not paid so when will the default drop off.
Well, the default should drop off 6 years from the date the account was defaulted, correct me if I am wrong but this is what your post is suggesting me?

joannerb

cifpower wrote: »

You took your time coming back!

You have to request the card to be closed and it will be removed six years after this date. Although the card is not being used it is still technically active.

thanks cif power for all your advice sorry but could not get back computer problems but will write to experian and ask that it be removed hopefully it will cheers cif power. :T

joannerb

PROLIANT wrote: »

Guy's, what the OP is saying is that the card was bumped i.e. not paid so when will the default drop off.
Well, the default should drop off 6 years from the date the account was defaulted, correct me if I am wrong but this is what your post is suggesting me?

thanks very much for all your advice PROLIANT i will get in touch with experian credit company and see if they will remove this credit card from my file thanks joannerb.:T

joannerb

Daisy_Duck wrote: »

When you say you've not paid it for 8 years, does this mean that the account was closed 8 years ago?
If it was then it should have dropped off.
If it has been left open even though you've not been using it, then my understanding would be that it will stay on your file.

DD

thanks daisy duck if i havent already said thanks have taken your advice and will write to experian to get the credit card in question removed joannerb.:T