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Lowell/Hoist old GE Capital CCJ from 15-20 years ago


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Hiya folks!

Like many others, I have recently received letters from Lowell and Hoist saying that they've now joined.

I have a CCJ from my younger, irresponsible days, 15-20 years ago that was most recently with Hoist, originally with GE Capital, will this CCJ now re-appear on my credit file?

Or, will the debt now show on my credit file under Lowell as a "new" debt/default?

With the time that has passed and multiple address moves, I don't have any paperwork for the CCJ so I can't work out the exact dates nor can I remember if I paid anything towards it.

I am in a position where all of my recent bad debt has been paid and will all (bar one) drop off my credit file in June and I will finally have a good credit rating and I don't want this to ruin everything I've been working towards over the last 10 years.

I'll be happy to pay it but that won't be for 3-4 months and don't want Lowell to ruin my credit file before I can act.

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Welcome to the forum.

 

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Or, will the debt now show on my credit file under Lowell as a "new" debt/default?

No..... you said the CCJ is 15/20 years old ....it only shows on a credit file for 6 years

 

Andy

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