Quick question about default date

clusters

Hi there,

I had a default added to my credit history from the original creditor which was superceeded by a default from a DCA (although both defaults showed for about a year on my file!). The thing is, the original default date was earlier than the one applied by the DCA.

My question is:

Can they change the default date?

Many thanks!!!

DarkConvict

A DCA can place a new default once the previous on was removed.

However the default placed date must remain the same, otherwise the default would last more than 6 years and is unfair, this issue is covered by ICO and OFT, and potentially the FOS if they continue not to change it back.

Do you have a copy of your credit report with the original date?

Read page 19 onwards - http://www.ico.gov.uk/upload/documents/library/data_protection/practical_application/credit_explained_leaflet_2005.pdf

Numpty_Monkey

I think the rule of thumb is 1 debt = 1 default,
a creditor (wether passed or sold on) can not add a default if one has been placed for the debt (usually by the original creditor)

DarkConvict

Your right they can't add a new default, they can just change a default from the original creditor into their name, this does involve taking off the old default and placing a new one with the DCA name, so they can sort of add a default. Nonetheless the dates must not be changed are the last updated date.