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Closed Accounts On Credit File
chrisehb
Posts: 12 Forumite
Hello,
Good morning all.
I have a few questions about my credit file with closed accounts. I got into quite a bit of debt about 5/6 years ago, since 2013 I have been with payplan paying off my debt slowly.
I recently got a letter from Ladderloans saying my debt had now been written off so it got me curious so I looked at my credit file online. When I go to accounts I can see most of the accounts I owe money for are sitting under the "closed" section and have not been updated 3months+. Are these accounts actually closed and not activtly being chased any more?
I understand once they are closed they can stay on the report for upto 6 years.
thanks
Chris
Good morning all.
I have a few questions about my credit file with closed accounts. I got into quite a bit of debt about 5/6 years ago, since 2013 I have been with payplan paying off my debt slowly.
I recently got a letter from Ladderloans saying my debt had now been written off so it got me curious so I looked at my credit file online. When I go to accounts I can see most of the accounts I owe money for are sitting under the "closed" section and have not been updated 3months+. Are these accounts actually closed and not activtly being chased any more?
I understand once they are closed they can stay on the report for upto 6 years.
thanks
Chris
0
Comments
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yes, you are right, they will stay on the report for 6 yrs.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.
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