Missing creditors who are on DMP but not on credit file

bluemonday3

Hi

I have been in a DMP with stepchange since 2009, in for the long haul.
However I know that over the past few years I have significantly reduce my debts and am committed to doing so completely.
I checked my credit file today as was curious to know when defaults will come off my file and noticed that there are two creditors that are not on my credit file but are still being paid on my DMP.
The two that are missing are to Clarity & Blair Oliver & Scott and are showing significant balances outstanding on my DMP statement, i.e. £2000 & £1000.
I have emailed Stepchange and I have checked both callcredit & Equifax but there is no reference to the missing creditors even closed accounts.
Please can anyone advise as Stepchange are still making payments to these?

National_Debtline

A debt will only be on your credit file for 6 years from the date of default and then it will drop off - so if you entered your DMP in 2009 the defaults were probably registered before then and have come off your file by now.


As long as the creditor doesn't get a CCJ against you (which they are less likely to want whilst they are receiving payments from Step Change) there is nothing else they can register on your file. But you will need to keep paying the debts until the balances are cleared.


Laura
@natdebtline

bluemonday3

Thanks for letting me know, I understand now,