Default on credit report...PLEASE HELP

chanz4

sound like just satisfied

Culex

chanz4 wrote: »

sound like just satisfied

Exactly.

I wonder - would it help at all were one to say that, if the alleged default was not removed from the file/report, one would be seeking an account of damages from the company responsible?

chimmy

Culex wrote: »

Exactly.

I wonder - would it help at all were one to say that, if the alleged default was not removed from the file/report, one would be seeking an account of damages from the company responsible?

Can you expand on what you mean?

Hax

Culex wrote: »

I wonder - would it help at all were one to say that, if the alleged default was not removed from the file/report, one would be seeking an account of damages from the company responsible?

What damage has been incurred? If the amount was due and payment not made, then the default is an accurate record of the account.

The OP hasn't stated that they have yet suffered loss or damage as a result of the default. Even if they believed they had, it would be very hard to:

• Prove that the default was the cause of their perceived loss
• Put a value on their perceived loss
• Attribute blame to T-Mobile when the amount is due and hasn't been paid.

As I see it, the OPs only course of action is to challenge whether or not T-Mobile have followed the correct process when registering the default - did they send out the required notification letters, etc...

However, even if the default is removed, that doesn't mean that T-Mobile have to remove the late payment markers that preceded it - there is no obligation to send notification of registering a late payment marker - the monthly statement will have contained notifications about late payments, etc.

chanz4

late payment markers can extend the life on file, eg if you remove a default it goes to 3 which then stays onfile 6 years from settled