Closed account

TerryAlderson

Afternoon, can anyone advise me as to when this account will come off my credit report. Will it be from the first missed payment or when it was close?

Many thanks 

D3xt3r5L4b

If it didn’t default then from the date of closure 

TerryAlderson

D3xt3r5L4b said:

If it didn’t default then from the date of closure 

Thanks for your reply. It isn’t a default. But from what I read does it means it’s a delinquent account as it was not brought up to date? So would all missed payments be wiped after 6 years?

[Deleted User]

As each missed payment reaches the 6 year mark, that month will drop off your reports.

TerryAlderson

I did think this, so it should be all up to date April 2022?

xlnc99

This was already answered. 6 years from date of closure. So it looks like April 2025 as it was closed in April 2019. All data will show on your credit file until 2025 including missed payments etc

Alex9384

xlnc99 said:

This was already answered. 6 years from date of closure. So it looks like April 2025 as it was closed in April 2019. All data will show on your credit file until 2025 including missed payments etc

I don't understand why April?

It looks to me like it was closed in August 2019 (last payment?).

xlnc99

Yes August, my mistake. I just saw the A on the screenshot and assumed April