Havn't Paid Credit card for 3 Years

ashp_2

Back in 2009 i had a credit card with about 1000 on it i had a few problems and a partner left me with debt and i just couldn't pay the credit card and havn't thought much about it since.

I plucked up the courage to look at my Credit report the other days i knew i had an un-paid contract phone and my credit card.

I got my report back and it says i have unpaid contract from 2009 on there but there is nothing anywhere about an unpaid credit card.??

So im really confused as to why the credit card is not on my report its was about 950 unpaid. Im worried its going to creep up behind me anyday!!!

[Deleted User]

Have you checked all 3 reports? Not everyone reports to all 3.

ashp_2

Well i just signed up with credit expert i didnt know there was 3 lol?

Other debts i had and there was quite a few! i had letters ect all the time wherever i lived and im gradually paid them off but i just never heard anything about my credit card.

I thought i'd have a poor credit rating but they rated me as average and gave me a score of 755 which isnt as bad as i thought.

KingElvis

Expect the lovely debt collection industry to latch onto you now like a limpet...they monitor credit reference agencies for people who have dropped of the radar.......

Basically, the CRAs and DCAs are lovers so expect some anxious letters to be with you in the next few days.

glowgirl_2

KingElvis wrote: »

Expect the lovely debt collection industry to latch onto you now like a limpet...they monitor credit reference agencies for people who have dropped of the radar.......

Basically, the CRAs and DCAs are lovers so expect some anxious letters to be with you in the next few days.

I never knew that, obvious really but thanks.

UselessMoney

Stuff the ratings, tel card co and get balance, cut down on the lippy and nights out and pay it off asap...
p.s. same with contract phone, cheap pay as you go easier to monitor expenses.

ashp_2

this adress has been on my credit file for some time, i had letters about the contract phone and havew started to pay it off.

But nothing on the credit card... I just find it strange ive been able to get other credit cards ect no problem

happy_bunny_2

who's the CC with? I closed my RBS one to spending as did someone else I know and they are not on any of the 3 CRAs, for whatever reason. They still have an outstanding balance.

ashp_2

its a Barclay Card. Im sure the debt wont just dissapear but i dont really have any intention of ringing them to be honest if they want to find me they can do it quite easily! i check my report everyday its gone up abit today for some reason.