Just looked at my Credit Report

keith_lard

just been here
http://www.annualcreditreport.co.uk/
to see how I am doing

is it normal that me being in a DMP that 'they' creditors place a default notice on the account every month!!!

Capital one and RBS sent the account to a Debt agency and still place a monthly default against the account!:eek: :eek: :eek: :eek:

I just dont get it.......

you try your best to clean up your accounts and even having on time payments to the account for the past 3 years they still kick you when you are down.:mad: :mad: :mad: :mad: :mad:


Me mad.



k.

immoral_angeluk

Yep.. because technically you're not making the contracted minimum payments so even though you're paying what they've agreed to under your DMP, you're defaulting on your original contract so they're within their rights to place a default on your credit history.
Stinks doesn't it.

roswell

as immoral angel says you havent kept to the original agreement to pay X each month so they have the right to make it known that you havent paid them agreed amount.

keith_lard

immoral_angeluk wrote:

Stinks doesn't it.

sure does:cool: :cool: :cool: :cool: :cool:

sgx.saint

Just to clarify.

Each month you creditor is not placing a new 'Default Notice' on your account.

You will only ever receive one Default Notice per account, and they will clear from your credit file six years from the date they were issued.

What you see on your credit file is just the creditor each month saying that your still in default (D) of your account. So until the debt is cleared, that is what will be marked next to the debt.

Of course when you settle or clear the debt, then the Default will be marked as Settled (S).

keith_lard

Thanks for that!
Just seen all the D's in a black circle thought they where new ones has they are dated!

Undertand now.

Thank you!

Regards

k.

sgx.saint

Anytime

oscar52

This probably a VER VERY stupid question given the name of the website, but how often can you view your credit report on the site?

keith_lard

Hi Oscar
I 'think' that you are allowed to view it free for 1 month, then you wait 12 months for your next 'free' month.
I paid £1.77 for instant access.
It does give me an option for montly payment if I wish.(permanent access)

I just wanted to know what is being said about me, found it very interesting and spot on.

If you do not want to pay £1.77 they will post you a password for free. takes 3 working days, then you can look at your report.


k.

moxie_2

Thanks for the info about the site, just signed up. Should make scary reading!

tiff

Never knew about this, just signed up for the free report for me and DH, too mean to pay any money lol