Credit Report Question

ccqueen

Wonder if anyone can help me

I have just got an up to date credit report and an old debt (5 years) is no longer showing on it, but i had a letter from a company chasing the debt today.

I'm confused with what to do now, i asked the company for a copy CCA which have they have sent today but as they no longer showing the debt on my credit file do i reply or just ignore it?

ccqueen

Sorry bumping this up hoping someone can help me......if its not on my credit file should i worry about it?

leanne82duke

are you in scotland hun?

ccqueen

No UK thats why i thought it was odd that it has disappeared

taken out in feb 2005

leanne82duke

was it on there before?

leanne82duke

sorry dumb question x
what your cca enforceble?

ccqueen

Yes i think it was enforceable which is why it seems a bit odd, the debt was on my credit file before and now its not.

be nice if its stays off but not sure what to do now, the letters from a DCA not the original creditor but think its strange that it gone.

would you just ignore it?

leanne82duke

i would for now and see what they do, they may well just be pushing their luck, i presume they are not threatening you with any action?
how much was the debt for? they may well have just bought the debt and decided to see if they can track you down x

ccqueen

thanks wanted a second opinion i will wait and see if they write to me again or if it reappears on my credit file.

fingers crossed they are just trying their luck and the original creditor has given up.