6 year mark nearly there!

guestman

its been a long time! I had an overdraft of £500 , CC of 2.8k and a loan of 16k that the bank no longer have interest in.


in 2 months its the 6th year mark for when the bank loan should be cleared from my credit file, once this is cleared how long will I have to wait before I can then start applying the such things like 0% cc to stooze with and do some more bank switches for free money


p.s , can the bank ever try to re apply a mark on my file again in the future? they told me the loan was archived and they are no longer chasing it, this was when I went into the bank to see about repaying the loan!

burlington6

So you didn't/couldn't pay the debts you had off and your first question is when can you get a credit card for some ''free money''

guestman

I paid them... well not the loan as they DIDNT want any money from me when I offered


I am very interested in free money... ive still been able to swoop in and take some cash from a couple of banks but the rest require a better credit record
still im sure theres some free money still for the taking

David301

fusionx212

Guestman, you're clearly a troll. this is a help forum for people who are in genuine need of advice. your post does not deserve the benefit or time of hard-working volunteers of money saving expert.