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Unpaid credit dropping off before 6 years ? Weird
Johno1990
Posts: 1 Newbie
So over the last month I’ve had 2 defaults drop off my credit report which I haven’t paid ?
Payday express I owed £150 and it has completed gone off my report ?
Also EE I owed £60 and it’s completely gone ?
My score has increased his month but it’s still showing one last default.
What’s going on here considering these are no longer than 2-3 years old ? Vanished into thin air quite confusing ?
Payday express I owed £150 and it has completed gone off my report ?
Also EE I owed £60 and it’s completely gone ?
My score has increased his month but it’s still showing one last default.
What’s going on here considering these are no longer than 2-3 years old ? Vanished into thin air quite confusing ?
0
Comments
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Moved to another CRA?
Though probably a system glitch if two accounts have been impacted.0 -
Could they maybe have sold the debt on and it will reappear under a collection agency?
Why are you not paying them off?0 -
It does happen occasionally, i also had a small £50 debt disappear from my credit file, it was a disputed debt, and after about 2 years just vanished, and never came back.
None of the CRA`s could explain why.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it 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.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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