So Excited...

frooglefraggle

I have been following my credit file for the last couple of months....

And at midnight tonight (or within the following 48 hours) My credit file will have it's first Drop off.... a debt that defaulted in 2006.... :T :j :money:

And a further 10 defaults and Bad debts will fall off between now and Christmas eve 2007.. :T

Sad i know... but i am really excited start of better times !! Thanks to all the advice and support i have been receiving off these boards... Hopefully Debt free as well within the next 12 months

fermi

Great news. It is so nice to see them going.

I've had 6/7 defaults and one BR order go over the last 12-18 months, with the last and worst coming off recently. So now for the first time in god knows how long I have a technically "clean" file.

Not really going to make a huge difference practically for me, but psychologically it feels like a big milestone.

Allypops

Well done both of you. It must be great to see them "drop off".

It's good to see people who are beating or have beaten their debts.

It will certainly be a long time before I have a "clean" file again but posts like yours make me believe that I can get there....in the end.

frooglefraggle

Thank you for the reply Fermi i am glad to see that they are coming off for you also!

It certainly feels like i am achieving a mile stone, and personally it is starting to feel like freedom!

frooglefraggle

Checked my credit file this morning and the item has not "dropped off" it's been 6 years 1 day ...... Downer!

fermi

Who are you checking with?

Experian normally remove the at midnight 6 years on the dot.

Equifax are slow and can even take a few extra weeks. You can complain though.

Callcredit are a bit random, but all mine actually came off a week or so early.

frooglefraggle

Thank you for the reply Allypop sorry i didn't see your post!

Fermi i'm with equifax, i may contact them! feels quite depressing when i have been looking forward to this day for over a month. On the plus side when i did check my file this morning my payment History went from red to amber.... so that i am thankful for!

fermi

Well, as said Equifax normally take 1-3 weeks or so to actually remove the entry from your viewable report.

God knows why, as the the other CRAs can manage to update them properly and on time?

Equifax are just generally hopeless though. Even more than Experian if that is possible. :cool:

If you complain then you might get it taken off quicker. Or they may just dither so long with your complaint that it ends up being no quicker than it would have been.

If it was me I think I would complain on principles sake, as there is no good reason why they should not remove it on the day.

Experian_company_representative

fermi wrote: »

Equifax are just generally hopeless though. Even more than Experian if that is possible. :cool:

Thanks. I think.

fermi

lol. Sorry. :rotfl:

Does get that way on here, when people mostly post when things have gone wrong rather than right.. IYSWIM.

frooglefraggle

Experian_company_representative wrote: »

Thanks. I think.

What would have been more useful, would have been advice on how to contact your company and get this issue resolved. Without phoning a foreign call center and them trying to get you off the phone.....