Hello everyone,
I noticed that an unpaid mobile device is still listed on my CIC report. I bought the phone in 2018, and the payment contract was scheduled to end on July 31, 2020. I had partially paid for the phone but wasn’t able to complete the remaining balance on time.
Now that it has been 5 years since the contract ended, I checked my CIC report again to see if this record had been removed from my credit history. Unfortunately, it’s still there.
My questions are:
- Will this unpaid phone record eventually be removed from the CIC report?
- If so, when does this usually happen?
- Has anyone here experienced a similar situation but was still able to get a home loan in Japan?
Thank you in advance — I really appreciate any advice or experiences you can share.
by Ancient-Librarian266