Does this debt affect my credit score?

Debt may negatively affect your credit score. It depends on:

• the type of debt
• the original creditor
• which credit reference agencies the original creditor uses
• what information the original creditor reports to their credit reference agencies.

When your debt was passed to us, if there was anything relevant, your original creditor would have already reported it to the credit reference agencies they use.

This means your credit score would already have been affected by the time we got in touch with you.

Unfortunately, we are not able to update your credit file. But if you set up a payment or clear this debt with us, we will tell your original creditor and they should update your credit file.

This is likely to have a positive impact on your overall credit score.