Any positive impact? 8 April 2022 at 11:48AM in Credit file & ratings 1 reply 81 views

lizziegizabit

Hi just wondering out of interest.

I completely understand credit "score" is irrelevant in reality however I am wondering what does actually have an impact on your file? I currently have a settled/closed loan that is due to drop off as 6 years old end of April which did impact after was settled originally, so will this "boost" further once no longer being reported on? 

[Deleted User]

Not particularly, unless it had defaulted.