Settled with a zero balance

mumof2boys77

I had mental health issues so some of my recollection is sketchy.
I had a default in 2008 with my bank.
looking back at historic credit files I found that the bank marked it as settled and entered zero on the balance in 2011. (It has dropped off my current file) Does that mean I paid it off? I have health issues that affect my memory.
It's equifax credit file.

DCFC79

You checked what Experian and Noddle say ?

mumof2boys77

DCFC79 wrote: »

You checked what Experian and Noddle say ?

there was no trace of it ever being logged with either of them. It no longer shows on my credit file it dropped off in 2014. It only when I look back through the archives I see it was marked as settled and with a zero balance.

DCFC79

mumof2boys77 wrote: »

there was no trace of it ever being logged with either of them. It no longer shows on my credit file it dropped off in 2014. It only when I look back through the archives I see it was marked as settled and with a zero balance.

It might be it was paid off.

Hopefully someone more knowledgeable will know more and respond.

Candyapple

If the account defaulted back in 2008 (8 years ago) then regardless of whether you paid it back or not, it's no longer on your credit files, it's null and void.