5 year 9 month unpaid debt - do i pay??

Moonwax

Hello all,

I have an unpaid debt on my file that was marked 5 years and 9 months ago as unpaid. I have had no letters since. No payments have ever been made against it.

Issue is I want to apply for a mortgage next year, so was going to pay off all my debt with savings.

Do i pay this one off or leave it to clear at the 6 year mark?

Morally id like to pay it, but on the other hand i dont want it to be marked on my credit file for another 6 years...

Any advice much appreciated :beer:

bsms1147

Pay it since it's the right thing to do.

It will drop off your file 6 years after the default - so in three months. It won't remain on there for another 6 years from payment.