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When can/must defaults be added?

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Hi,
I am in the fortunate position of having completed my IVA and the vast majority of my credit file being cleared (after the 6 year point) at the end of this month. However, there are one or two entries which show a default date long after what they should be. I know that a default date cannot be added after the acceptance of the IVA, but I also believe that the two remaining accounts would have defaulted earlier than that (at the end of March, the same as the others).
Obviously I would like my credit file to look nice and sparkly as early as possible, so I plan to write to these two companies with the IVA evidence to show that the dates need to be changed, but can i get them to put the date back even earlier? Are the companies obliged to put a default on straight away or can they hold off for a few months? I know i'll probably be p***ing in the wind trying to get it changed to earlier than the acceptance of the IVA, but any ideas on when they could/should have added the defaults and what I could use to prove it was earlier? I definitely know when everything defaulted because it was when my wife became extremely ill and our world pretty much fell apart.
Any thoughts would be welcome. Thank you.

Comments

  • GeorgeUK
    GeorgeUK Posts: 7,737 Forumite
    The default date can be up to 6 months after the date of the initial breach/default of payment.
    After falling off the gambling wagon (twice): £33,600 (24,000+ 9,600) - Original CC Debt: £7,885.91

    Dad Gift 6k ¦ Savings & Inv Tst: £2,500
    Loan 10k: £0 ¦ Dad 5.5k: £2,270 ¦ LTSB: £0 ¦ RBS: £0 ¦ Virgin £0 ¦ Egg £0

    Total Owed: £2,270 (+6k) 11/08/2011
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