6-Years Credit Report?

Stigy

Hi all, after some advice if I may?

Can anybody confirm that it's correct that after 6-years any debt held on your credit file is removed, whether you have or have not paid said debt?

Just heard this is the case, but thought it might be the same as the statute of limitations whereby if you make contact with the company or payment of part of the debt, that the 6-years resets itself?

I understand that obviously a file being held on your credit report, then being removed after six years even if contact was made at say 5-years, would still mean that the creditor can still chase you.

Thanks

fermi

http://www.equifax.com/help/q7/en_uk

Credit agreements: Six years from the date the account was settled, written off or defaulted – whichever happened first

They are removed from your credit reports after 6 years, no matter what you do. Unlike the statute of limitations, nothing you can do can stop them coming off your report once the 6 years has expired.

Stigy

Thanks for the advice!