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Withdrew from Loan agreement within 14 days but entry still exists on credit file. Advice please.


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Hi,
I took out a loan but didn't require it then and withdrew from the loan agreement within 14 days and paid it off in full within the 30 days of the withdrawal notice. The loan is showing as settled under Closed Accounts in my credit file.

 

What is the correct practice here can anyone advise please?

 

I have no issue it showing as a hard search but as I withdrew from the agreement within 14 days of obtaining the loan am I correct in believing it shouldn't show within closed accounts and should be completely removed from my credit file?

Edited by dx100uk
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but you took the money and didn't settle within the 14 days.

 

it wont be hurting your score and i dont think others can see your closed a/c's anyway.

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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