Bank loan on credit file

lee8040

I had a bank loan years ago which I had issues paying, settled with them partial amount, now there first settlement was done a year before the date on the credit file this was because the bank had forgotten to settle it, is it possible to get it back dated to when I did settle it as if it was then it would be taken off my credit file now as it would've been 6 years ago?

lee8040

the credit file says, will it be removed 2014 from the date satisfied or 2015 from the date updated?


Date Updated03/09/2009

Date Satisfied22/09/2008

sirwiggum

Did the account default?

Otherwise, the satisfied date of 22/09/2008 is the closure date.

Do you see payment markers on your credit file up until Sept 2008?

If so, come this Sept it'll be taken off file.

The 'update' date is when the last update to the file was made, whether that be bank name change, updating the satisfied date to the correct date etc.

lee8040

sirwiggum wrote: »

Did the account default?

Otherwise, the satisfied date of 22/09/2008 is the closure date.

Do you see payment markers on your credit file up until Sept 2008?

If so, come this Sept it'll be taken off file.

The 'update' date is when the last update to the file was made, whether that be bank name change, updating the satisfied date to the correct date etc.

yes the loan did default. looking on noodle it doesn't show up, have to check Experian again