My Credit File no longer shows my big debts

[darowla]

I just arrived here to try and work out what is happening to me, could be the Pandemic is the reason.

 

I have access to Clear Score and MSE Credit Club which I think use the same data, I have been on previous 'free' systems until they closed down.

I used to use them to see how much I still owe, that was useful.  I had a mountain of debt but over last 4-5 years I been getting them down to two left.

 

My biggest one is with Natwest who them let it go to another and then Caboot.

It's no longer on my file as of last month, why? I don't get it.

 

The only other change is I got a PPI agent to send letters out and that's all I can think of as I had a payment for Barclays but Natwest I never heard anything.

 

1: Has Caboot Gone?

2: Has Credit Files been somewhat 'paused' while we going thru a pendemic?

3: Do I stop the automatic low weekly payment?

 

 

[dx100uk]

once a defaulted date reaches its 6th birthday the whole account disappears.

 

dx

[dx100uk]

who are you blindly paying every week

have you ever sent them a CCA request ?

 

 

[darowla]

I suspect I will study the latest info as I not been on a site like this for a long while... way I look at it is if I owe something I should pay it back to get my credit in shape.  

Yes 6th birthday is likely, but when you used to look at the reports, you would see it marked as 'default' for each month regardless if paid or not, maybe I am miss-reading as I have been paying and is up to date.  I always presumed that the last month was registered as a default and the six years would be from there.

 

 

[London1971]

Disappears off your credit file for ever, invisible to anyone, without any evidence that it ever existed on the 6 th anniversary of its default.

 

it stopped affecting your credit score years ago. If you are still paying anything you are a mug!

 

Sorry to sound harsh but it’s true.

[dx100uk]

forget the calender section no-one bar you and the owner of a debt can see that

its the defaulted date in the debt summary it runs from...

 

so you've been blindly paying DCA's money because you thought paying your debts off improved your score and/or that they have some magical powers and were BAILIFFS, which a DCA is NOT

they have zero legal powers on ANY debt.

 

list your debts, showing or not

 

dx

[London1971]

But to be fair DCA’s love to sound and act like bailiffs, and there is zero information out there to say otherwise . Which is why you have been very fortunate to stumble across this site, where we can tell you that it’s an utter and complete waste of your hard earned cash paying those charlatans!

 

As for your credit score , that’s about as useful as a chocolate fire guard. 

[fkofilee]

No MSE and Clearscore dont use the same Data

 

Credit Karma - Transunion 

Clearscore - Equifax

MSE CC - Experian. 

 

Your milage will vary with each. Go check with all 3  

Also try to get your report direct from Equifax - Its been known for Clearscore to be inaccurate sometimes

[London1971]

And don’t sign up for their paid for service . You are entitled to see your online credit report free under GDPR.

[darowla]

interesting.

 

I have stop the weekly payment, will review CCA.

 

I had a look on Karma and similar pattern to the other records I seen.

 

Thank you

 

 

 

[London1971]

Superb!

[dx100uk]

who are you blindly paying weekly and for what?

 

dx