Default / Delinquent Balance....Equifax

Optimisticred

Hi everyone,

I realize this has been asked before but none of the previous threads fully answer my question so apologies in advance.

Having checked my Equifax credit report I see the following:

Communications Supplier from O2 (I) / XXXXXX####
Name: ########
Date of Birth: ######
Terms: 0 @ £ 0 (Monthly)
Status: Up to Date
Current Balance: £0
Status Balance: £0
Credit Limit: £0
Default / Delinquent Balance: £676
Start date: 20/12/2005
Date Updated: 17/04/2011
Date Last Delinquent: 03/11
Date Satisfied:

For the months of

September: 1 (Yellow)
October: 2 (Yellow)
November: 3 (Red)
December: 4 (Red)
January: 5 (Red)
February: 4 (Red)
March: Blank (Green)



The history is that due to working overseas in the middle of no where I had a huge phone bill of £450 for August 2010 and £200 for September 2010. I buried my head in the sand and didn’t pay my bill on September 1st or October 1st so had a total outstanding balance of over £650. I then arranged a payment agreement with O2 to pay it off over the next 5 months with the final payment being in February 2011.

So my question is does this show I have a DEFAULT on my report or does it show that I couldn’t pay off my bill and so set up a payment plan to pay it off in full?

Thanks in advance.

Optimisticred

Bump!

Would really really apprecaite someones opinion. Thanks,

fermi

Based on those status codes, then it looks as if there is no default registered. Just missed payments over 4/5 months which were then brought up to date.

Equifax have been doing some strange things lately when listing default/delinquent payments so may be best to double check that with them.