We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Debts not list on credit file
Options

grendel666h
Posts: 9 Forumite
Hi, we have DMP with StepChange, which is due for review. In trying to gather all the info about who we owe money to and outstanding balance, I obtained my latest credit file. However, some of the original accounts no longer show on the credit file. I know some have been taken over by debt chasers, but shouldn't they show as well? I'm sure if we stopped paying they'd get in touch, but I don't have all the info, as I tend to shred anything that comes through the door when I think I've finished with it (maybe a bit too eagerly).
Is there a way to find out who wants our money? Seriously considering going bankrupt, as the DMP estimates we will be clear in 2021, surely bankruptcy would be quicker?
Thanks.
Is there a way to find out who wants our money? Seriously considering going bankrupt, as the DMP estimates we will be clear in 2021, surely bankruptcy would be quicker?
Thanks.
0
Comments
-
When on a DMP, a lot of accounts are defaulted. They fall off your report 6 years from default date, paid or not. How long you been on your DMP?
When accounts are sold, usually the banks remove then from your report. DCAs usually add them again, but can take a month or too. Same when sold from DCA to DCA.
Some very old accounts don't report to CRAs.
Have you checked all 3 CRAs, some dont report to all of them.:beer:0 -
Thanks for the info. We've been on a DMP for about three years and the debts have been sold off a long time ago.
I've only checked Experian, I'll check the others at the weekend.
Thanks.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.8K Banking & Borrowing
- 253K Reduce Debt & Boost Income
- 453.4K Spending & Discounts
- 243.7K Work, Benefits & Business
- 598.5K Mortgages, Homes & Bills
- 176.8K Life & Family
- 256.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards