Credit reference agencies

[Benny]

Hi I need some explanation of credit files. I have emailed two of them but they have not got back to me.
I have a couple of accounts with defaults recorded and also a lust of numbers under the months. Is the default date recorded directly connected to the number 8?

I assume that the default date should be a date after the date given on the default notice,and is there a time limit to recorded it. For example if i received a default notice in june 2011 with a remedy date of July 2011 is there a time limit before a default can be marked? In this instance i was makung nominal payments until july 2012 and now have a default registered in july 2012
Also on that account i have a list of 6 which turn to 8 in July this year,is that coincidence. I read somewhere they are not connected.
Thanks..

[Ruby]

Re: Credit reference agencies

From what I have been lead to believe by various companies is that you get issued a default when you break the agreement you entered into originally. If you make nominal payments they will not be as originally agreed. In a way you were 'lucky' that they gave you a year to remedy the situation. 6 means you are six payments behind and 8 is the next step after that which essentially stands for default.

[Benny]

Re: Credit reference agencies

Thanks had an email back from noddle who seem to say that an 8 is only recorded once a EN has been issued and not remedied. I am not sure if i would class myself as lucky because thats an extra year of a bad credit rating.