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Debt after 6/7 years

What happens to your credit score after 6 years of debt? And what happens to a CCJ?

After the date does it just drop off your file?

Comments

  • rizla_king
    rizla_king Posts: 2,895 Forumite
    yes. Defaulted accounts just drop off 6 years after the default. CCJs drop off 6 years from the CCJ date.
    Still rolling rolling rolling...... :) <
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  • Does that affact your credit rating?
  • This was going to be my next question, one would expect the credit score to go up almost overnight?
  • rizla_king
    rizla_king Posts: 2,895 Forumite
    You don't have a credit score.

    If you mean the fake number the CRAs make up, they are a marketing con. Ignore them.
    Still rolling rolling rolling...... :) <
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  • One they gave gone, that will increase the chances of being accepted for credit. As long as there are no late payments or worse left on your report.
    :beer:
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