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Notice of Satisfaction
copywrite33
Posts: 40 Forumite
I have an old mobile debt of £144 that was paid of in june.
I have the final bill etc but this is still showing on my equifax credit report as a default. Am i able to have this satisfied?
Alsodoes anybody know of any specific companies that do credit searches with Callcredit as i have none in the last year and i want to try and bolster it up abit.
I have the final bill etc but this is still showing on my equifax credit report as a default. Am i able to have this satisfied?
Alsodoes anybody know of any specific companies that do credit searches with Callcredit as i have none in the last year and i want to try and bolster it up abit.
"We're just 2 lost souls swimming in a fish bowl!"
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Comments
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I would only worry about the default if it has not been marked as satisfied within 2 months. It could take a month for the company to notify the CRA's and another month for them to update the system.
I wouldn't worry too much about what your callcredit file says - as not too many companies use it, it doesn't have much impact on your credit worthiness. As long as the company you are trying to get credit from can see from one of the CRA's that you have a good payment history then i wouldn't worry too much about this.After falling off the gambling wagon (twice): £33,600 (24,000+ 9,600) - Original CC Debt: £7,885.91
Dad Gift 6k ¦ Savings & Inv Tst: £2,500
Loan 10k: £0 ¦ Dad 5.5k: £2,270 ¦ LTSB: £0 ¦ RBS: £0 ¦ Virgin £0 ¦ Egg £0
Total Owed: £2,270 (+6k) 11/08/20110 -
Thanks george, as always you are a help. It has now been almost 5 months so should i make contact with 3?"We're just 2 lost souls swimming in a fish bowl!"0
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Yes.
They have had more than enough time to inform the CRA's that the debt has been paid.After consultation with both the Information Commissioner and the Credit Reference Agencies, I am writing directly to you to request that you formally update my credit files in accordance with the Data Protection Act.
Currently the information that you have recorded against my name with the Credit Reference Agencies is factually incorrect, and despite requests to your customer services, as yet your company has failed to correct the entries as required.
It is requested that you mark the account as being settled or satisfied or to remove the default altogether, in accordance with the Data Protection Act.
Information from the Information Commissioner has indicated that I should allow you 28 calendar days from the date you receive this letter to comply, during this time you are requested either to update the Credit Reference Files correctly (of all three Credit Reference Agencies) or notify me in writing the reasons that you refuse to.
After the 28 days have elapsed I shall inform the Information Commissioner if your company fails to update the records so that they may take any necessary enforcement action against your company.After falling off the gambling wagon (twice): £33,600 (24,000+ 9,600) - Original CC Debt: £7,885.91
Dad Gift 6k ¦ Savings & Inv Tst: £2,500
Loan 10k: £0 ¦ Dad 5.5k: £2,270 ¦ LTSB: £0 ¦ RBS: £0 ¦ Virgin £0 ¦ Egg £0
Total Owed: £2,270 (+6k) 11/08/20110
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