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Cleaning up my credit file
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Melmoneysaver
Posts: 93 Forumite
Hi there,
I am attempting to clean up my credit file as best as i can and I've been looking through old threads for advice, I read that you could try requesting a default to be removed by writing a nice letter and I want to try and do that to halifax, Its not a default as far as I know but it does list the original amount (now settled) as a "Default/delinquent balance" (I dont know if that counts as a default or not but it was not passed to a debt agency)
I dont want to bore you with the whole sob story but I breached an overdraft agreement and then made a payment plan which I paid off earlier than expected and upon checking my credit file, they had marked my credit file as 3 payments late all the way through the payment plan. on the plus side they marked it as settled a month earlier than I did actualy settle it for some reason.
I would like to kindly beg them to remove this but do you think its worth trying? gotta be worth a shot surely?
tia for any help
I am attempting to clean up my credit file as best as i can and I've been looking through old threads for advice, I read that you could try requesting a default to be removed by writing a nice letter and I want to try and do that to halifax, Its not a default as far as I know but it does list the original amount (now settled) as a "Default/delinquent balance" (I dont know if that counts as a default or not but it was not passed to a debt agency)
I dont want to bore you with the whole sob story but I breached an overdraft agreement and then made a payment plan which I paid off earlier than expected and upon checking my credit file, they had marked my credit file as 3 payments late all the way through the payment plan. on the plus side they marked it as settled a month earlier than I did actualy settle it for some reason.
I would like to kindly beg them to remove this but do you think its worth trying? gotta be worth a shot surely?
tia for any help
DFD 29/12/10 
Oh Wait... The Mortgage :mad:

Oh Wait... The Mortgage :mad:
0
Comments
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I doubt very much you would get it removed. Occasionally people manage to negotiate to get a default removed in return for settling a debt. This tends to be for debts like mobile phones and catalogues.
I think with a bank debt that you have already settled (so you have nothing to negotiate with) it is unlikely they would consider changing your file.A smile enriches those who receive without making poorer those who giveor "It costs nowt to be nice"0
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