One of my Barclaycard debts was passed to Cabot. The Barclaycard entry has been marked a settled with a date, however I note from the account status code is 6. I actually maintained a constant agreement for payment with Barclays and when this was up for a review I negotiated another one.
It also shows that on some months my payment was 0 and other months has my payment there. I paid via direct debit so payment was made each month as per the agreement. Will these anomolies have a huge impact on my score/rating? The debt is marked settled in 2011. It also states "Date assigned cais member as 2011. What is this?
Cabot have now made a new entry on my credit file for the debt.
I made a couple of applications for a accounts years ago with my partner and they are still showing on my account. How long should these stay on my account if I did not get approved or take up the account? It only states Joing application not joint account as some of the other entries state.
Finally, if a creditor deletes the entry from your file and the debt still exists. Can another creditor add the same debt back on again?