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Hi all just wanted to ask you very knowledgeable people when it says a Default will drop off my file after 6 years does it just disappear or do I have to do something to get it off so that people searching my credit file can't see it?? Also a settled account when do they disappear please. Thank you.
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Re: Defaults and Settled Dropping off
It should drop of your file without you needing to do anything, if it doesnt then contact the credit reference agencies and ask that it be removed.Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (LB),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.
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I AM SO GOING TO GET BANNED BY CEL FOR POSTING terrible humour POSTS.
The Governess; 6th March 2012 GRRRRRR -
Re: Defaults and Settled Dropping off
Thanks Teaboy got one going on the 29 June 2012 and one on 21 Sep 2012 then there is nothing on there. I have got one account saying that I was late with a payment but this was an online account and I asked them to move the direct debit date so the money went on that day can I get that changed ????Comment
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Re: Defaults and Settled Dropping off
do you still have confirmation of the request
letter
email
acknowledgement
etcComment
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Re: Defaults and Settled Dropping off
That late payment will not have any inpact on your credit rating, though if you have the relevant documents as mentioned by Millitant above, you can ask the company whom that account is connected to to correct the late payment on your fil to show as being paid on time. Though i would not bank on them doing so.Originally posted by cheekymonkey07 View PostPlease note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (LB),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.
By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.
If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.
I AM SO GOING TO GET BANNED BY CEL FOR POSTING terrible humour POSTS.
The Governess; 6th March 2012 GRRRRRRComment
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Re: Defaults and Settled Dropping off
Does anyone know why some credit report agencies show different results to othersComment
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Re: Defaults and Settled Dropping off
Different companies use different agencies. The agencies only report what has been reported to them, so out of CRA's x, y and z if I report to x and y, z won't show the information that x and y do.Originally posted by valeriej43 View PostComment
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