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Posted: Sat Oct 18, 2014 2:21 am
by chickpea
I have finally now received my completion certificate after making my last payment in June 2013!! They say that I should now send this to all 3 credit company's. I note however that after 6 years it is all removed from your credit file anyway. As such should I still send or was this advised to cover technically the last year or so?
Posted: Sat Oct 18, 2014 6:27 am
by luluj
It is worth sending as they will ensure your defaults are removed too ...well done and enjoy your debt free life !
Posted: Sat Oct 18, 2014 8:12 am
by relieved33
Congratulations!
Enjoy an officially debt free Christmas!
Posted: Sat Oct 18, 2014 9:45 am
by Foggy
Hi Chickpea --- the credit reference agencies will only remove it at 6 years if they are aware that it has been formally completed. If they think it is still active it will remain on file for ever.