Can a 12 Year Old Credit Card Debt (sold on) Be Put On My Credit File???

[Deleted User]

But if you've been making payments to clear it, was the account actually defaulted or just marked as AP?

MoneyHeadache

But if you've been making payments to clear it, was the account actually defaulted or just marked as AP?

Yes the original account with the bank was defaulted on (12 years ago)

Willing2Learn

MoneyHeadache wrote: »

... the original account with the bank was defaulted on (12 years ago)

In that case, I don't think the account should be on your credit report as it would have been removed six years ago. If it were me, I would raise a written complaint with the creditor (whoever owns or manages the debt currently)

MoneyHeadache

In that case, I don't think the account should be on your credit report as it would have been removed six years ago. If it were me, I would raise a written complaint with the creditor (whoever owns or manages the debt currently)

Exactly my thoughts. but i wanted a bit more clarity before i wake them up

Thank you very much!!

sourcrates

You have two avenues of thought here.

(1) if the debt defaulted 12 years ago, them as said, it should not be on your credit file.

Written complaint to whoever now owns the debt, and report to the ICO if they refuse.

(2) CCA request to the same, should also be sent, see what comes back, from what you have said you appear to of been messed around enough by these people.