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Finally Debt Free
High__Flyer_2
Posts: 70 Forumite
Hey everyone.
A few weeks ago, I was fortunate enough to render myself Debt Free... I have one little question though.
I've got a Credit Expert account, and it still hasn't been updated to reflect my current status, it's still showing my previous debt.
Does anyone know when it would update?
Regards
A few weeks ago, I was fortunate enough to render myself Debt Free... I have one little question though.
I've got a Credit Expert account, and it still hasn't been updated to reflect my current status, it's still showing my previous debt.
Does anyone know when it would update?
Regards
0
Comments
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Congrats on reaching debt free status.
As far as I know (from my own experience) it takes Experian about 8 weeks to be updated with changes. Not sure about the other credit reference agencies.
HTH
D90 -
Very well done. Congrats
.
In my experience it takes roughly 8 weeks for all the credit reference agencies to reflect the true nature of your status.Debt at worst: £33000 (Feb 2011). Present debt: £25610 (Apr 2012)
Lloyds old (22.4%) = 560 (Dec 2012)0 -
What the others have said about CRA's
and well done:T:TPROUD TO BE DEALING WITH MY DEBT NERD #869
DFD 5/1/16Numpty,Not sure why but I'm crying
. Of all the peeps on this board you're the kindest & most supportive of all & I'm :mad: & 
for you all at the same time . Wish I was there to give you a big :grouphug: & emergency hobnobs
xx0 -
High__Flyer wrote: »Hey everyone.
A few weeks ago, I was fortunate enough to render myself Debt Free... I have one little question though.
I've got a Credit Expert account, and it still hasn't been updated to reflect my current status, it's still showing my previous debt.
Does anyone know when it would update?
Regards
Well done High Flyer - I cannot WAIT to be able to post to say I am debt free! I'm so impatient, I'd be expecting my credit file to be updated straight away to show I didn't owe anything LoL!
Well done again, and enjoy your freedom!
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I can confirm this. From paying off the final debts it took about 8 to 10 weeks for the credit expert to update fully - i will never forget the constant (daily) logging on to see what had come off. We didnt do the whole snowballing thing - we had got down to about 15% of our outstanding debt balance at LBM across all our debts - all APRs were shocking so didnt matter!! but were sadly fortunate (?) to benefit from an inheritance of a 4 figure sum which we threw at the lot to clear.
I still have kept the credit expert subscription open at £9.99 / month as I still cant believe we finally did it - now I am paranoid about new debt!!!
The debt free journey definitely changes a person and very very well done for achieving this goal. I still read the many new posters that have just had their LBM and wish them all the best for the journey ahead. If we can do it then anyone can!!
ngwmDebts paid off now :j after a life changing journey :money:0 -
Well done :TTry to be a rainbow in someone's cloud.0
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Thank You very much everyone, I can definitely say it's a weight off my shoulders.
I'll stop the repetitive clicking every day, i'll wait the 8 weeks to see.
Once again, thank you everyone.0
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