Hi

[Gixxk8]

Hi everyone, i have just signed up tonight in the hope of getting some advice in relation to my credit file and dealings with a DCA involving a default. I will start a new thread in it tomorrow as it is a long story thanks

[Gixxk8]

Re: Hi

Ok so decided i wont sleep until i at least write my problem i defaulted on an unsecured loan back in november 2010 ( i checked this date with the original creditor yesterday who confirmed it). since 2010 i did pay off some of the loan and the last payment was made in jan 2013. My problem is that the default date on both my credit reports equifax and experian show the default date as august 2011 with the name of th DCA. I want to change this date to the correct date as i want it off my reports in november 2016, not august 2017. How do i go about this? Is it the original creditors duty to change this or the DCA'S? Also i assume by contacting the DCA i will open a can of worms and have to start paying the debt again. Can the DCA refuse to change it back to 2010 ? or can i come to an agreement that if it is changed back i will start paying?? Apologies for the probably silly questions but i really have no clue as to the best course of action. If this default drops off next november my credit file will be finally free of all negative issues and i can apply for a mortgage, which is why i did not want it to be on my reports for almost another year. Many thanks for any help it is much appreciated.

[Gixxk8]

Re: Hi

Moved query to debt section titled help incorrect deault date credit files. Thanks