How to have defaults removed from credit report

P****d_off_C

Hi

Does any default on your credit rating automatically come off or do I have to inform the creditors to remove it?

I'm trying to improve my credit rating as I've had debt in the past. I've applied for a credit card which will hopefully help build my credit score back up again. Are there any other options to getting better credit??

MrsTinks

P****d_off_C wrote: »

Hi

Does any default on your credit rating automatically come off or do I have to inform the creditors to remove it?

I'm trying to improve my credit rating as I've had debt in the past. I've applied for a credit card which will hopefully help build my credit score back up again. Are there any other options to getting better credit??

Yes it automatically comes off 6 years after it was placed on your file. The only other way to get it off is if the default was incorrectly placed in the first place - settling the debt will mark it as a settled default and WILL improve your chances of getting other credit...

sammy115

MrsTine wrote: »

It's perfectly legal to keep the default on the account - but it should be marked as settled.

Is it.....? I didn't think it had actually been proved in court....I still think its worth a try...

fermi

sammy115 wrote: »

Is it.....? I didn't think it had actually been proved in court....I still think its worth a try...

You can try to do a deal with them to remove the default, but legally if you did at one point default then the record of that can stay for 6 years.

If they won't do a deal then it stays.

See: Technical Guidance Note - Filing defaults with credit reference agencies

But if you feel it was given unfairly, then you can complain to the ICO.

sammy115

Fermi...I think they are all unfair....you can get less time for murder these days.......:rotfl:

Not that I ever want to get credit again, but my credit file is such bad reading....I want to be proud of it..