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Can anyone tell me what this means on my Equifax credit report?

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  • GMS
    GMS Posts: 5,388 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    It is saying you defaulted on the mortgage. Not a good thing to have on a search.

    What does the search show for payments? Any arrears?
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • dojoman
    dojoman Posts: 12,027 Forumite
    GMS wrote: »
    It is saying you defaulted on the mortgage. Not a good thing to have on a search.

    What does the search show for payments? Any arrears?

    We know that, but what does the "end" part mean?
    :pB&SC No. 298
    Life`s Tragedy is that we get OLD too soon
    and WISE too late!
  • dojoman
    dojoman Posts: 12,027 Forumite
    Anyone?.................
    :pB&SC No. 298
    Life`s Tragedy is that we get OLD too soon
    and WISE too late!
  • dojoman
    dojoman Posts: 12,027 Forumite
    Not getting much help here:o
    :pB&SC No. 298
    Life`s Tragedy is that we get OLD too soon
    and WISE too late!
  • Ineedaname
    Ineedaname Posts: 3,681 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Looks like the OP may have to write to Equifax for an explanation.
    When I joined, I needed a name. The forum members gave one to me...I am INAN :D
    "Fortunes ebb and flow and a boat must move with the tide and be thankful that it floats." Judith Allnatt
  • dojoman
    dojoman Posts: 12,027 Forumite
    Ineedaname wrote: »
    Looks like the OP may have to write to Equifax for an explanation.

    This is for my benefit now, not the OP`s I am trying to find the email address/phone number for Equifax and have just pm`d cookiemonster for them.
    :pB&SC No. 298
    Life`s Tragedy is that we get OLD too soon
    and WISE too late!
  • Ineedaname
    Ineedaname Posts: 3,681 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Understood. Just done a web search and unable to find an up to date email addy for you. Hope Cookiemonster gets back to you shortly.
    When I joined, I needed a name. The forum members gave one to me...I am INAN :D
    "Fortunes ebb and flow and a boat must move with the tide and be thankful that it floats." Judith Allnatt
  • dojoman
    dojoman Posts: 12,027 Forumite
    Ineedaname wrote: »
    Understood. Just done a web search and unable to find an up to date email addy for you. Hope Cookiemonster gets back to you shortly.

    Thanks INAN, I have looked everywhere on their website but could not find it. Also went through all the bumph that came with my report but that only gives the website address:mad:
    :pB&SC No. 298
    Life`s Tragedy is that we get OLD too soon
    and WISE too late!
  • kepar
    kepar Posts: 1,297 Forumite
    Equifax customer service number.

    0901 226 1085
  • Naf
    Naf Posts: 3,183 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    edited 24 May 2011 at 12:50PM
    The End is just the date the mortgage company closed down the account and assigned it to a 3rd party DCA.

    Limit £0 Doesn't apply to all types of account; basically credit/overdraft limit
    Start £0 The balance at point of opening
    Current £+0 Current outstanding balance
    Default £88596 The balance on the account on the date they issued a default notice (so not always the amount when the contract was breached, they may have waited and added charges and interest while trying to resolve it amicably)
    Start 19/07/2007 Opening date of the account
    Default 09/2010 Date default was applied (would be blank if account still open/closed without default)
    End 13/09/2010 Closing date of the account on mortgage company's system (same as default date)
    insight last updated 13/09/2010 Last date mortgage company sent updated details to credit agency
    supplementary flag - Debt Assigned Additional info (Could be GONE AWAY, DEBT MANAGEMENT PROGRAM, PARTIAL SETTLEMENT, CREDIT INSURANCE CLAIM, VOLUNTARY TERMINATION, DEBT ASSIGNED (means sold to lender who doesn't used Equifax), DEBT SOLD TO INSIGHT MEMBER (sold to a member who used Equifax), DECEASED.

    Usually you get notes through which detail each area for you, along with the symbols/abbreviations used.
    Never argue with stupid people, they will drag you down to their level and then beat you with experience.
    - Mark Twain
    Arguing with idiots is like playing chess with a pigeon: no matter how good you are at chess, its just going to knock over the pieces and strut around like its victorious.
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