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Amex Default Date Query


teejay26805
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I was made redundant and had a heart attack which led to reduction in salary and I couldn't pay some debts.

 

Most are now 6+ years and off my credit record, but Amex is still there.

 

First missed payment was May 2016 but default was not registered until August 2017.

 

this is the only default now showing.

 

Is there any scope to query the date of default and have it removed sooner?

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Afraid not.....although the default should be recorded accurately as per the ICO guidelines it will be argued that you enjoyed 14 months without it being registered at the time of default.

 

Andy  

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