We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Posible get missed payments/defaults removed from credit file?
Tremour-88
Posts: 368 Forumite
in Credit cards
In 09 / 10 I had a capital one credit card which I defaulted on (young and stupid) which has impacted my credit history a lot and would like to know if it's likely or even possible that they could remove infomation such as that from my credit file?
2 years later I applied for another Capital One Classic card, got accepted, perfect history for 7 months then applied for the Capital One Progress card and got accepted for that to and its been around 4 months since then.
After running 2 cards with Capital One for about a year perfectly do you think they would/could remove some of the negative past and if so how would I go about asking them?
2 years later I applied for another Capital One Classic card, got accepted, perfect history for 7 months then applied for the Capital One Progress card and got accepted for that to and its been around 4 months since then.
After running 2 cards with Capital One for about a year perfectly do you think they would/could remove some of the negative past and if so how would I go about asking them?
0
Comments
-
hardly.you defaulted,as you admit,no matter what you have done since the defaults remain fact and will stay there for 6 years0
-
Tremour-88 wrote: »In 09 / 10 I had a capital one credit card which I defaulted on (young and stupid) which has impacted my credit history a lot and would like to know if it's likely or even possible that they could remove infomation such as that from my credit file?
2 years later I applied for another Capital One Classic card, got accepted, perfect history for 7 months then applied for the Capital One Progress card and got accepted for that to and its been around 4 months since then.
After running 2 cards with Capital One for about a year perfectly do you think they would/could remove some of the negative past and if so how would I go about asking them?
This has got to be wind up post surely.0 -
I hope not, it is meant to be a true record of your credit history over the last 6 years. If a shorter period was considered appropriate then everyone would have information dropping off after that shorter period.Tremour-88 wrote: »After running 2 cards with Capital One for about a year perfectly do you think they would/could remove some of the negative past...?loose does not rhyme with choose but lose does and is the word you meant to write.0 -
you can have it removed it you can prove / they cant prove you were issued with a default notice / the account was defaulted in error.
However, its difficult and most dont have much success.If you keep on doing what's you've always done, you'll keep on being what you've always been...:think:0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.3K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.4K Spending & Discounts
- 247.2K Work, Benefits & Business
- 603.9K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards