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Hello again,

Sorry to resurrect this thread but I have one more question.

 

 

I am close to all my defaults dropping off my credit file after the 6 year period.

 

 

However, if I look at the "closed account" section it shows two debts which were sold on and marked as "satisfied" on 30 June 2012.

If you click on both of these it shows the default and the original amount outstanding at the time of default.

 

Is it correct that these will not disappear off my closed account section until 30 June 2018?

 

 

Will this have any impact on my credit approval once the defaults on my "open accounts" have vanished?

 

Any thoughts gratefully received.

All the best,

Chipmeister

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AFAIK only you see closed accounts

 

 

so these debts are totally sep and not related to ones in the open section?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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AFAIK only you see closed accounts

 

 

so these debts are totally sep and not related to ones in the open section?

 

 

dx

 

Thanks DX - good news about the closed accounts! The satisfied debts relate to debts sold on by MBNA. The new owner of the debts appears in my open section with the original default date of 31 March 2010 so those presumably will disappear on 31 March 2016?

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The closed accounts that match open ones should have the same defaulted date

So will go on 6th bday of default

 

DX

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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So it's only the settled debts that disappear on the sixth anniversary of full payment, and the satisfied debts will disappear on the default anniversary rather than the date that the debt was sold on? Oh, happy days!

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No any debt with a defaulted date

The. Whole account goes

 

Does not mean its not ness owed mind

 

As the ICO post states

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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as well as ccj's if there one there

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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AFAIK only you see closed accounts

 

 

 

Closed accounts stay on file for 6 years and can be seen by lenders.

 
 

Any advice I give is honest and in good faith.:)

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