We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Just applied for mortgage.. 9 year old account pops up on credit file. Can this be removed?
Options
FTBMish
Posts: 37 Forumite
Mortgage soft search.... 21st September.
Pulled my credit files, all scores good however an Argos card added on 22nd September.
This was an account from 2008, defaulted in 2011 and I paid a partial settlement to finish it. It wasn't on my file as the default was so long ago. Should they have added this now? The final settlement was paid last year ( although the record states it was this year).
I understood files fall off either 6 years after default or settlement, whichever was the soonest.
Just annoyed at the poor timing of the record on my file.
Does it seem right it should have been added now?
Thats my outrage application down the drain im sure 😭
Pulled my credit files, all scores good however an Argos card added on 22nd September.
This was an account from 2008, defaulted in 2011 and I paid a partial settlement to finish it. It wasn't on my file as the default was so long ago. Should they have added this now? The final settlement was paid last year ( although the record states it was this year).
I understood files fall off either 6 years after default or settlement, whichever was the soonest.
Just annoyed at the poor timing of the record on my file.
Does it seem right it should have been added now?
Thats my outrage application down the drain im sure 😭
0
Comments
-
If it defaulted in 2011, it should no longer be on your file. Ask them to remove it.
1
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 350.9K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.9K Work, Benefits & Business
- 598.8K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards