Default on credit file

BrokeWelshChick

Needs some advice please.

Just got my credit report from Experian and there is a default showing, the money has been payed and is showing as current balance: satisfied.

Should I have been told by the company that the default was going to be put on and do I have to wait the six years for the default to be removed?

Thanks

BWC.

DMUK

Hi BWC,

I am in a similar situation as you, and from what I have been told here and read elsewhere, you should have been notified about the default and yes, under normal circumstances it will take 6 years to be removed.

I found this link however with some useful advice about potentially removing them if you were not notified - http://www.learnmoney.co.uk/credit-cards/remove_default_notice.html

Did you pay off the debt yourself, as otherwise a Debt Collection Agency (DCA) could have bought the debt hence it showing satisfied.

HTH

Dan

BrokeWelshChick

Hi Dan,

Thank you for your reply.

Yes I paid the debt myself and no I wasn't notified about the default.

Thanks for the link.

BWC.