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lowell default paid and disappeared??

kirstybum
kirstybum Posts: 46 Forumite
in Credit file & ratings
I have recently paid off an old very account through lowell and have since viewed my credit report and it seems to have disappeared? My credit score has understandably gone up but I'm wondering if it will come back on next month as a paid off default
Can anyone advise me on this please, thanks in advance.
Number 054 - 'Save 12k in 2017' thread - £10,000 target :)£2100/£10,000 :D
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Comments

  • forgotmyname
    forgotmyname Posts: 33,064 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    If its over 6 years it will have dropped off whether you paid or not.
    Censorship Reigns Supreme in Troll City...

  • kirstybum
    kirstybum Posts: 46 Forumite
    It's only 2 years old x
    Number 054 - 'Save 12k in 2017' thread - £10,000 target :)£2100/£10,000 :D
  • Debt2Null
    Debt2Null Posts: 18 Forumite
    forgotmyname wrote: »
    If its over 6 years it will have dropped off whether you paid or not.

    If it's over 6 years, paid or not. How will this affect her credit score?
  • kirstybum
    kirstybum Posts: 46 Forumite
    This month it has gone from 720-889 but If they're gonna put it on next month I'm sure it'll go back down, fingers crossed they won't :)
    Number 054 - 'Save 12k in 2017' thread - £10,000 target :)£2100/£10,000 :D
  • kirstybum
    kirstybum Posts: 46 Forumite
    And if it's over 6 years it will no longer be visible or your credit report and not factored into your score :)
    Number 054 - 'Save 12k in 2017' thread - £10,000 target :)£2100/£10,000 :D
  • Experian_company_representative
    Experian_company_representative Posts: 2,134 Organisation Representative
    Part of the Furniture Combo Breaker
    Hi kirstybum
    kirstybum wrote: »
    And if it's over 6 years it will no longer be visible or your credit report and not factored into your score :)

    You are correct, if the default is over six years this will no longer show on your (Experian) credit report, and will not be factored on your credit score, as the default becomes older can be seen to have less of a negative impact to your credit report.

    If you're credit report is with Experian and you would like me to establish why the defaulted account has been removed, as you've mentioned it's only been two years since it defaulted, please [EMAIL="uksocialsupport@experian.com"]email me[/EMAIL] your details (name/dob/address) so I can investigate this further for you.

    Kind Regards
    James Jarvis
    “Official Company Representative
    I am an official company representative of Experian. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"

    Posts by James Jones, Neil Stone, Stuart Storey & Joe Standen
  • McKneff
    McKneff Posts: 38,857 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Experian_company_representative wrote: »
    Hi kirstybum



    You are correct, if the default is over six years this will no longer show on your (Experian) credit report, and will not be factored on your credit score, as the default becomes older can be seen to have less of a negative impact to your credit report.

    If you're credit report is with Experian and you would like me to establish why the defaulted account has been removed, as you've mentioned it's only been two years since it defaulted, please [EMAIL="uksocialsupport@experian.com"]email me[/EMAIL] your details (name/dob/address) so I can investigate this further for you.

    Kind Regards
    James Jarvis


    Lol, I think I would be waiting till next month and see if it comes back on before I sent any details for investigating. Investigating might just stir it up and it definitely goes back on ha ha.
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
  • kirstybum
    kirstybum Posts: 46 Forumite
    Exactly what I thought haha!
    Number 054 - 'Save 12k in 2017' thread - £10,000 target :)£2100/£10,000 :D
  • Debt2Null
    Debt2Null Posts: 18 Forumite
    lol!

    So does this mean my credit score should jump back up come this June? Since my default would be 6 years this June.
  • enfield_freddy
    enfield_freddy Posts: 6,147 Forumite
    when viewing your report are you using noodle?
    edit:
    720-889 , probably not noodle
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