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  • FIRST POST
    • Jennaturner
    • By Jennaturner 14th Feb 18, 9:25 PM
    • 3Posts
    • 0Thanks
    Jennaturner
    Default Account Advice
    • #1
    • 14th Feb 18, 9:25 PM
    Default Account Advice 14th Feb 18 at 9:25 PM
    Hi,

    I have a default account showing on my credit report. The date of default is 28/02/2012 - so do this mean that on/around the 28th of this month the default will drop off my account? Once this has gone, what does that mean for my credit report? Will lenders still be able to see it or will it look to them like I never defaulted? I have been making regular payments on this account and it will actually be paid in full by the start of next month but I have only recently checked my credit report as I am looking to get a mortgage with my husband at the end of this year.

    Thanks
Page 1
    • zx81
    • By zx81 14th Feb 18, 9:27 PM
    • 15,522 Posts
    • 16,467 Thanks
    zx81
    • #2
    • 14th Feb 18, 9:27 PM
    • #2
    • 14th Feb 18, 9:27 PM
    The whole account will no longer be visible.
    • Jennaturner
    • By Jennaturner 14th Feb 18, 9:37 PM
    • 3 Posts
    • 0 Thanks
    Jennaturner
    • #3
    • 14th Feb 18, 9:37 PM
    • #3
    • 14th Feb 18, 9:37 PM
    Thank you, will my credit score change at all?
    • Gary_Dexter
    • By Gary_Dexter 14th Feb 18, 9:37 PM
    • 562 Posts
    • 324 Thanks
    Gary_Dexter
    • #4
    • 14th Feb 18, 9:37 PM
    • #4
    • 14th Feb 18, 9:37 PM
    Maybe yes.
    Maybe no.

    It matters not since no one sees the score.
    • zx81
    • By zx81 14th Feb 18, 9:38 PM
    • 15,522 Posts
    • 16,467 Thanks
    zx81
    • #5
    • 14th Feb 18, 9:38 PM
    • #5
    • 14th Feb 18, 9:38 PM
    As above. The score is made up. Ignore it.
    • DCFC79
    • By DCFC79 14th Feb 18, 10:48 PM
    • 30,937 Posts
    • 19,561 Thanks
    DCFC79
    • #6
    • 14th Feb 18, 10:48 PM
    • #6
    • 14th Feb 18, 10:48 PM
    Thank you, will my credit score change at all?
    Originally posted by Jennaturner
    She never mentioned her “score.”
    Originally posted by boo_star
    She did in post nunber 3.
    Can people stop loaning money/being a guarator to family/friends, it rarely ends well and you lose out as your money is gone or you get shafted with being a guarantor.
    • boo_star
    • By boo_star 14th Feb 18, 10:49 PM
    • 1,378 Posts
    • 756 Thanks
    boo_star
    • #7
    • 14th Feb 18, 10:49 PM
    • #7
    • 14th Feb 18, 10:49 PM
    She did in post nunber 3.
    Originally posted by DCFC79
    You’re right.

    I have given myself 50 lashes as punishment.
    • DCFC79
    • By DCFC79 15th Feb 18, 8:17 AM
    • 30,937 Posts
    • 19,561 Thanks
    DCFC79
    • #8
    • 15th Feb 18, 8:17 AM
    • #8
    • 15th Feb 18, 8:17 AM
    You’re right.

    I have given myself 50 lashes as punishment.
    Originally posted by boo_star
    Its ok we all make mistakes, we all miss a reply.

    We shall skip the lashes for next time.
    Can people stop loaning money/being a guarator to family/friends, it rarely ends well and you lose out as your money is gone or you get shafted with being a guarantor.
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