Default over 6 years old

loverington

I have a default on my credit file that although at the top of credit report is says defaults N/A down on my list of credit agreements it shows my defaulted agreement, I defaulted on Decmeber 2003 and the account was settled in Jan 2004, so why is it still on my credit file and who do I need to contact to get it removed?

DarkConvict

It should be removed automatically, when it isn't..

You need to contact the credit references agencies, of which their are 3. And tell them it needs to be removed because it has been over 6 years since it was placed.

Ring first, but they might want a letter/email before they remove it.
Also use http://www.saynoto0870.com/search.php to avoid paying the premium rate phone numbers.

Equifax Plc
Credit File Advice Centre
PO Box 1140
Bradford
BD1 5US
https://www.equifax.co.uk
Call Credit Plc
Consumer Services Team
PO Box 491
Leeds
LS3 1WZ
0870 060 1414
https://www.callcredit.co.uk
Experian Ltd
Customer Support Centre
PO Box 8000
Nottingham
NG80 7WF
0844 481 8000
https://www.experian.co.uk

loverington

Thank, thats great. I've just looked on my experian £2 credit report and my default is not on there but on my 'free trial' equifax it is. I'll give them a call, do you know if it will be removed straight away or does it take time?

DarkConvict

Takes upto 30 days for a credit report to be updated. As its just the CRA you are contacting not the creditor, should just be 30 days.

As above, there are 3 agencies, and they hold different data based on what they are sent. So as you see your report looks different between them.