My debts on paper and my debts on credit file

Missdonnamarie

OK I am a hoarder but sometimes for the right reasons.

I have a question.

I have papers here showing debts that do not show on my credit file.Should I still make contact to pay these off or should i stick to whats on my credit file.

I have given myself 10 years to become debt free and this is the start.

Thanks for your help.

Tixy

Hi

It depends what debts are not showing on your credit file and why.

Not all debts will show on your file some perhaps because they never did (e.g council tax, utilities etc), some perhaps because they have been sold to a debt collector that doesn't report to any of the credit reference agencies and some could have dropped off your file if its more than 6years since you originally defaulted on them.

If there are old debts that have dropped off your file then you need to factor in when you last paid anything towards them, or wrote to the creditor/debt collector.