My children's dad left us about 4 years ago with about £8500 of debt he had run up. I have paid about £6000 off but the rest left is mainly in catalogues, but all in my name. Needless to say, I tried to keep up the payments but couldn't and about 5 went to Moorcroft Debt Recovery, to which I am still paying now. I have paid one of the 5 debts in full and have checked my credit file with Experian and Equifax last night and only 1 debt with Moorcroft is listed on both files.
In January, I telephoned Moorcroft and asked for settlement figures on all my debts with them, and the guy on the phone said "If you have other debts with other companies, I would advise you to pay them first and come back to us later"
I guess my question is, why would only 1 debt be listed on my credit file? If I pay off all the other debts, is there even a record that I have paid them? or even if I don't pay them, will there be no record of that either? and why did the guy say that on the phone?
tribelsp... in the uk, our credit reference agencies list all 'credit' activity good or bad.
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