Debts removed from my credit file?

elderflow

Hi All, please bear with me (newbie on site- but long time lurker),
I have finally taken the plunge to get myself out of debt if I can - so have asked the 3 cra's for my credit file, I last did this in 2009, and kept the copy, I have noticed that a lot of the original debts that were on there have vanished, even though on my 2009 file a lot were listed as defaulted, there are now only 4 creditors listed on there, 2 with no defaults and 2 with defaults from 2010 and 2009 , so my question is as I haven't been asked by DCA's for anything for the others and to my knowledge I haven't paid anything on these & the one's which have vanished from file since 2009,where have they gone? I know they are removed from credit files 6 years from the date of default, but how can I find out if they had in fact been sold on to DCA's or "written off" ?
If anyone can help and I know from reading the posts in the money saving expert site that someone can, please do.....

happy_bunny_2

Defaulted accounts fall off 6 years after the default date.

If mess than that, they may have been sold on and the new creditor hasn't logged it in your report yet. I have one been missing for a year now.

Have you moved? Are they at an address not on your credit file?

elderflow

Haven't moved house in over 20years, or changed name, all the credit was taken out between 2000 - 2004. Most unfortunately I defaulted on in 2007-2008.
Is it usual then for a company to not log that they've bought a debt and leave it for so long to put on a credit file?

So is there any way of finding out who may have bought these debts (if they have been bought) or how can I find out if /when I last made a payment to them as I don't really want the stress to start up again.

happy_bunny_2

If the defaulted 2007/2008 then that's why they are gone?

No way to tell who owns it unless someone writes to you.

If you haven't paid or acknowledged a debt in writing for 6 years it's statute barred. Can't make you pay.