Help.. Bad Debt!

PROLIANT

netgear11 wrote: »

i love you people! so knowledgeable, i;d be lost without you. many thanks!

i like thte tip about getting out high-risk cc's, however, someone above also said that the fact that i have had a cc defaulted will be apparent for 6 years and what not.. So what is the point of me trying to repair something which cannot be undone?

just trying to see how this works.

PS. sent off for free credit report via DPA

Capital one gave me a card even though my files were riddled with defaults and ccj's, give them a try but apply to all three sub prime lenders in one day at least one of them will help you.

Richard019

netgear11 wrote: »

i love you people! so knowledgeable, i;d be lost without you. many thanks!

i like thte tip about getting out high-risk cc's, however, someone above also said that the fact that i have had a cc defaulted will be apparent for 6 years and what not.. So what is the point of me trying to repair something which cannot be undone?

just trying to see how this works.

PS. sent off for free credit report via DPA

Although the original error can't be removed, by running new accounts well you can demonstrate that you have learnt from your mistake and no longer represent the same risk to their money. Whilst you probably won't get their best deals until it's cleared, you will get better than if your last note on file is the default.

CLAPTON

the bank has a legal duty to inform you it's going to default you, so you have the opportunity of paying.
If you didn't receive the default you can write to them saying you didn't receive any default notice and ask them to remove it unlesss they can prove that they sent one... it may be worth the effore as they may have no proof they they sent it or maybe they sent it to the incoerrect address. .