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diggie

Old debt reappeared on credit file

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My credit file is clear with no defaults showing now as they are all over 6 years.

I checked on noddle and a barclaycard loan that was taken out in 2003 And defaulted in 2006 has reappeared in July and August of this year and showing as an active up to date account ?

I have informed noddle but have had no reply as yet.

Should I be doing anything else?

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Another from Barclays. Same has been reported by others.

 

Noodle won't do anything. They have come back to others saying Barclays won't remove.

 

Suggest a complaint letter to Barclaycards head office for the attention of Data Protection and Compliance officer. Tell them they must remove the defaults which have reappeared in your credit file, as they are over 6 years old and are subject to statute of limitations.


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If its showing active and up to date you have 2 choices as i see it, an active and up to date account is a good thing to have on your file, it may only become a problem if its altered to show derogatory information.

You could contact the CRA and request that the info is removed as long as you have not acknowledged the account within the last six yrs


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If its showing active and up to date you have 2 choices as i see it, an active and up to date account is a good thing to have on your file, it may only become a problem if its altered to show derogatory information.

You could contact the CRA and request that the info is removed as long as you have not acknowledged the account within the last six yrs

 

I have reported it as I have my credit report from 2010 clearly showing the date of default for this account as 09/2006

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Diggie, it's been caused by an apparent system fault at Barclays.

Old defaulted accounts and accounts that have been satisfied by full and final settlements have been getting reported once again to CRAs.

Barclays say they will be contacting all those affected by this problem.

You'll possibly be in line for some compensation as well :)

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