HFC wrong default date

sheldos1

Hi everyone, I'm looking for some help regarding a HFC debt.

I had a finance agreement with them and i stopped paying as couldnt afford so my last payment was march 2008,
I checked my credit report with Equifax and I have a default which was issued november last year.
I have heard the default should be placed within 6 months of the last payment.

What i'd like to know is who do I ask to have it removed

- HFC or Lowell as Lowell's letter states they are legal owners of the debt now they bought the debt december last year.

Also do you think they will just change the default date back to 2008 or remove it completely?

I'm not sure which would look better on my credit report because if the defaults removed will all the late payments still show up?
and if I settle the debt now will it be from that date that the 6 years starts before it all comes of my report?

I want to pay it off but I really just need advice on what would be the best move in terms of making my credit report look better please can anyone advise?

Thanks

fermi

Whose name is it under on the credit report?

chanz4

If default is removed it will go back to its last status, and may even be on file for longer. The default wouldnt be removed, just re-dated and it would be on until 2014

sheldos1

ok thanks do you know who id ask to have the default date changed then, would it be hfc or lowell?

sheldos1

fermi it doesnt actually say, its an equifax report im in the process of getting one from experian hopefully that will tell me

fermi

sheldos1 wrote: »

ok thanks do you know who id ask to have the default date changed then, would it be hfc or lowell?

Whoever it is listed under on the report.