Partially Settled Debts and Your Credit Rating

jasonwatkins

Thanks for that, I wasn't aware I could do that.   It made for some rather uncomfortable reading ..

The first Lowell debt defaulted on 21/1/2019 and was updated on 23/10/2019.

The second defaulted on 13/2/2019 and was updated 20/1/2020.

Thrugelmir

Any unsettled accounts will live on. Well after they've disappeared from your credit history. The finance companies (as in groups) concerned will not forget. In the future remember who you defaulted on. As you may find yourself declined. 

jasonwatkins

Thrugelmir said:

Any unsettled accounts will live on. Well after they've disappeared from your credit history. The finance companies (as in groups) concerned will not forget. In the future remember who you defaulted on. As you may find yourself declined. 

I get that but credit isn’t really an issue for me and never has been (and never will be, to be fair). I have no aspirations to have a credit card at all as I don’t need one.

My credit rating has been poor for so long it’s basically normal for me.