default

carp1000

I have just returned from a weekend away and on my return recieved my pin number to view callcreditcheck and what information they have on me. I also for quite some time been keeping up to date with alerts etc from experian and equifax and viewing my credit reports with them for some time now but when i went to and looked at callcredit i couldnt believe A) How much different the information that callcredit has is different from the other two but also how much of the information they have is incorrect.
I would suggest that anybody who like me has been relying on the information that they see on experian and equifax also takes a look at callcredit as i was absolutey gob smacked at how much wrong information callcredit had on there file on me compared to the other two CRA who are pretty much the same

leereni

Please can somebody verify the previous persons queries regarding default notices.

Does a company have to issue a default notice AND afterwards keep a record.

I'm finding on this forum plenty of people who are looking at their credit files and finding out to their surprise a default is on their file. It appears they had no knowledge of this and had never been sent a default notice. If so, then does the company need to keep a record?

Thanks

carp1000

omcornwall, it seems that if you pay a lesser amounts per month than agreed or dont make payments on time the creditor can enter a default notice, once they have applied a default notice they should keep records for six years as long as the default is on your file after which it is removed whether paid or not