📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Default Removal

Options
Funkygibbon
Funkygibbon Posts: 376 Forumite
in Credit cards
I have a default that was added on the 13/01/2005. This should be removed from my credit file today or tomorrow. Will this be removed automatically or will I need to ask experian or equifax to remove it?

Kind Regards
«1

Comments

  • BugsyBrowne
    BugsyBrowne Posts: 5,697 Forumite
    Funkygibbon wrote: »
    I have a default that was added on the 13/01/2005. This should be removed from my credit file today or tomorrow. Will this be removed automatically or will I need to ask experian or equifax to remove it?

    Kind Regards

    By law it should be gone tomorrow.
  • kev.s
    kev.s Posts: 513 Forumite
    you'll prob still have to ask them tho
  • Tixy
    Tixy Posts: 31,455 Forumite
    No - defaults will disappear automatically 6years after they were entered.
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • TastyTeeth
    TastyTeeth Posts: 205 Forumite
    Tixy wrote: »
    No - defaults will disappear automatically 6years after they were entered.

    Even if the debt has been settled or not?
  • wayne99
    wayne99 Posts: 352 Forumite
    settled or not, it doesnt matter it will drop off 6 years from the date of entry, give or take a few days.
    :j:beer: :beer::j
  • fomirster
    fomirster Posts: 101 Forumite
    It should be removed automatically, but this doesn't always happen. Check it and if it hasn't you will have to query the item through the CRA website or send them a letter
  • Funkygibbon
    Funkygibbon Posts: 376 Forumite
    It's gone from Experian but not from Equifax!!
  • dvs
    dvs Posts: 826 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    Will probably update over night.
  • izools
    izools Posts: 7,513 Forumite
    1,000 Posts Combo Breaker
    I've seen equifax be upto a week or so late with default removals in the past :o
    Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
  • Funkygibbon
    Funkygibbon Posts: 376 Forumite
    Well it's still there so I've sent a message of dispute to them.
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.3K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture