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6 year rule
hadenoughnow
Posts: 165 Forumite
I am just coming to my first year of BR, discharge imminent. On checking my credit file, everything is there in black and white, all my creditors are showing as in default. Barclaycard however is still showing as a healthy account with a payment calendar that’s green! (I haven’t made a payment in over 2 years) the balance is only £500. Will this drop off after 6 years along with the rest?
I take it after 6 years everything automatically disappears off your file or do you have to apply to have it removed?
0
Comments
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Defaulted accounts drop off after 6 years.
If the Barclaycard debt is showing as live and green, then happy days, its of no detriment to you.
Ideally they should all be shown as defaulted with a default date no later than the date of your bankruptcy.
Its up to you if you feel a complaint is warranted here.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1
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