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Default on Credit Record


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I have a default on one of the credit reports, equifax i think, that has three defaults on it.

Two i have found were from my old address, and have written to ask if they are correct. The third is i believe over six years old, but says it defaulted after that date.

If this debt is over 6 years old, and i have not acknowledged this debt within that time, can i get it removed from my file?

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Hi Jane

 

A default should only appear on your CRA for 6 years, unless for some reason the creditor is updating it.Are you making payment or as the creditor contacted you within six years, or have you ever acknowledged the debt if no payment is being made?

 

 

Andy

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I received letters from HFO services and sent a request for CPUTR2008 in October 2010 and heard no more about it. It was only when i had a lower credit score that i checked this other agency, and they had the default on there. I have never acknowledged the debt that i recall and definitely not in the last six years.

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Well request it be removed as its now Statute Barred.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Can I just add that a default can be placed up to 6 months after the first missed payment and then the 6 years start to tick down.

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