Credit file entries

welshspendthrift
welshspendthrift Forumite Posts: 406
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I paid off my Barclaycard on 21st June from my retirement lump sum and also paid off my car loan on 21st July. They are still showing on my credit file with balances, how long does it take for credit file to update to show they are now clear. Also I have an intrum balance on there which is not enforceable as they cannot provide the correct paperwork and have acknowledged this. This does not show as a default just shows balance of £6000+. Just says no data from June 22. The cc was Creation and I think they put a default on the account but can’t see this on there. They sold this to Intrum. Will this stay on my credit file past 6 years as not showing as default ?  This will be the last debt on my credit file as I have cleared nearly 50k debt over the last 5 years. 
Thanks in advance for responses
Pay ALL your debt off by Xmas 2021 no 50 Target for this year £12,000 
Pay all your debt off by Xmas 2022 target £15,000 pd £7969.95 / 15,000
SPC 2022/23 014
Pay all of your debt off by XMAS 2023
 #no 28 target £11,200.00



Comments

  • sourcrates
    sourcrates Forumite, Ambassador Posts: 27,673
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    Credit files update roughly once a month.

    Credit Karma says it updates every week, but whether the information changes or not I don`t know.

    Your unenforceable credit account should be removed after 6 years.

    If the original entry showed the account defaulted, it will be removed 6 years after it defaulted, if that entry was replaced by the Intrum entry, you may have to remind them.
    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 [email protected]. 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-letter
  • welshspendthrift
    welshspendthrift Forumite Posts: 406
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Forumite
    thank you @sourcrates
    Pay ALL your debt off by Xmas 2021 no 50 Target for this year £12,000 
    Pay all your debt off by Xmas 2022 target £15,000 pd £7969.95 / 15,000
    SPC 2022/23 014
    Pay all of your debt off by XMAS 2023
     #no 28 target £11,200.00



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