Making an offer after a default drops off credit file

Philip624

I am on a DMP until October 2021, the first default to expire after the six year point happens next month, PRA Group for a Barclaycard debt, the balance is £2000. Does the fact of the default expiring have any affect on the willingness of creditors to accept offers to settle for less?

sourcrates

For that particular reason, none whatsoever.
However old debts are regularly discounted.

It may benefit you, as any settlement will not be recorded, also they may not be able to provide correct paperwork if asked due to the age of the account.