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File removed from credit file

leebates81
leebates81 Posts: 13 Forumite
in Credit file & ratings
Hello

I'm new to this!

in april 2016 a credit file for a loan I didn't pay back will be removed

Does this now mean my credit rating will go up?

Thanks for your help.

Comments

  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Yes and no.

    New lenders will appraise you at the time you make an application.

    The lender you defaulted on will no doubt decline future business. By lender this could also include any related group company.
  • leebates81
    leebates81 Posts: 13 Forumite
    It was with natwest so I suppose them and RBS are out the window!

    Thanks for you reply
This discussion has been closed.
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