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Hi All
I have just found out that a default has been placed on my credit file 3 years after the breach took place. Back in 2005 I when into a DMP and since have made every payment to date but I have never received any letters regarding a default notice. This credit record would have dropped off my file by now being over 6 years old but it would seem the default placed in Jan 2009 is keeping it on. Can I get the default removed along with the credit record given the time period from when the breach took place in 2005. I'm not sure if I should challenge this but can't help feeling the record is inaccurate and being kept on file for an excessive period of time.
Any advise would be very helpful
I have just found out that a default has been placed on my credit file 3 years after the breach took place. Back in 2005 I when into a DMP and since have made every payment to date but I have never received any letters regarding a default notice. This credit record would have dropped off my file by now being over 6 years old but it would seem the default placed in Jan 2009 is keeping it on. Can I get the default removed along with the credit record given the time period from when the breach took place in 2005. I'm not sure if I should challenge this but can't help feeling the record is inaccurate and being kept on file for an excessive period of time.
Any advise would be very helpful
