Settling outstanding debts not on credit file

sasd1206

Hi
I have some outstanding debts from 2012 for which I have been paying £1 a month ever since. None of these debts show up on my Experian credit report (which is rated good) I have been offered a settlement sum for one and wanted to know what would happen if I paid off all these debts with settlement figure,  would the debts then show on my credit report?
Thanks

CliveOfIndia

Have you checked all 3 of your credit reports?  Not all lenders report in to all 3 CRAs.

sasd1206

Ah no I haven't - I'll have a look now, thanks

sasd1206

I've checked all three and there are no reports to any

Nasqueron

They can't add back old agreements to your credit file if that's what you are asking - longer than 6 years they will be gone forever if they are not on now e.g. with an AP

PRAISETHESUN

Debts older than 6 years won't appear on your credit files, but the fact you've been acknowledging them by making token £1 payments means they are still legally enforceable. If you've got the money and the settlement figure seems reasonable then I'd personally pay it to make it go away, but it won't change how the debts are being reported (or not being reported in this case) to your credit files.

sasd1206

Huge thanks everyone