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Incorrect DOB on a default in my Credit File
djdave78
Posts: 4 Newbie
Hi all. Just been clearing up my credit file and sucessfully removed an incorrect default from Barclayard. All it took was a phone call every day and after 4 days it was gone!! Just one default remaining from British Credit Trust, This default is satisfied in full and is due to come off 16 March 2010. However upon closer inspection it has a wrong date of birth on it. Do I have any rights to get it removed quicker like say ASAP? Its the same incorrect DOB on my Experian and Equifax. So that suggests to me that it was a mistake made by BCT. I mean can the credit ref agencies put the default on someones file even if the DOB is wrong? I'm also worried because of this error it might delay or prevent the automatic removal after 6 years. Any legal brains out there with any ideas?? Many thanks in advance!!
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Comments
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If it is due to come off in March anyway I would just let it come off automatically.I cant imagine for one minute that the incorrect DOB would be a barrier to the automatic removal of the entry.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
I agree - for the sake of 4 weeks I wouldn't rock the boat!Sometimes it's hard to walk in a single woman's shoes - that's why we need really special ones!Total debt @ Oct 2008: £29,226.42 Credit Card- £[STRIKE]7493.56[/STRIKE] - £7243.56Weightloss : 0/34lbs0
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only take u 6 years to notice?0
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Thanks for the advice. I only noticed cos only recently been applying for a mortgage. I do as you say and wait out the 4 weeks. Not long to go in the grand scale of things.0
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