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Credit file entry
Gazabt
Posts: 2 Newbie
Hi a debt collection agency has agreed to write off some debt but not remove the entry on my file. What can I do?
0
Comments
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Nothing really. Your credit file should be an accurate reflection of your credit history.
Why do you think it should be removed?0 -
Agree with zx81.......what are you trying to achieve?
CR should be a factual history on how you have managed any credit agreements.I’m a Forum Ambassador and I support the Forum Team on the Budgeting & Bank Accounts, Credit Cards, Credit File & Ratings and Energy boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
If you can't be the best -
Just be better than you were yesterday.0 -
I disputed the debt they couldnt proved me with the correct paperwork so account became unenforceable0
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Being unenforceable doesn't prevent it existing or being owed.0
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Hi
If you’ve already defaulted it will at least drop off your credit file 6 years from the default date.
James
@natdebtlineWe work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps0
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