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Hi everyone, I'm looking for some help regarding a HFC debt.
I had a loan with them and i stopped paying as couldnt afford so my last payment was march 2008.
I checked my credit report with Equifax and I have a default which was issued november 2011 more than three years from my last payment!
I have heard the default should be placed within 6 months of the last missed payment is this true and if so where can i see this?
I sar'd hfc who say they have nothing on file as its over 6 yrs, so i sard lowell who had a few bits but not everything.
What i'd like to know is whats ny best option here in regards to my credit report, do i just pay it off and have it settled on my report with a 'drop off' of 2017
or ask them to remove the default?
Also do you think they will just change the default date back to 2008 or remove it completely?
I'm not sure which would look better on my credit report because if the defaults removed will all the late payments still show up?
and if I settle the debt now will it be from that date that the 6 years starts before it all comes of my report?
I really just need advice on what would be the best move in terms of making my credit report look better please can anyone advise?
Thanks
I had a loan with them and i stopped paying as couldnt afford so my last payment was march 2008.
I checked my credit report with Equifax and I have a default which was issued november 2011 more than three years from my last payment!
I have heard the default should be placed within 6 months of the last missed payment is this true and if so where can i see this?
I sar'd hfc who say they have nothing on file as its over 6 yrs, so i sard lowell who had a few bits but not everything.
What i'd like to know is whats ny best option here in regards to my credit report, do i just pay it off and have it settled on my report with a 'drop off' of 2017
or ask them to remove the default? Also do you think they will just change the default date back to 2008 or remove it completely?
I'm not sure which would look better on my credit report because if the defaults removed will all the late payments still show up?
and if I settle the debt now will it be from that date that the 6 years starts before it all comes of my report?
I really just need advice on what would be the best move in terms of making my credit report look better please can anyone advise?
Thanks
