Feels like i'm loosing the battle

matttye

jessie4109 wrote: »

Last year I queried with Natwest why it wasn't marked as defaulted when I checked credit report data. They sent a letter in September 2012 confirming that it should have been defaulted and backdated the default date.

This is when I checked that the default had been applied

http://s1335.photobucket.com/user/jessie4109/media/before_zps49545389.jpg.html

And this is what shows now

http://s1335.photobucket.com/user/jessie4109/media/after_zps861d5b1d.jpg.html

After I had a PPI claim on the account took off the balance on 21st May 2013 this dramatically reduced to amount owed and meant I was in a position to settle the account with the dca. I was not aware at the time that this had been put on my report.

That entire account should have dropped off your credit report in April 2013.

Complain to Equifax as well because you have evidence that there was a default.

Keep pushing this, people need to fight these cowboys.

jessie4109

Quick update. Entry now not showing on Experian or Equifax just got to hear back from Noddle/call credit. Just got to focus now on 2017 when all the bad stuff will have gone off my credit report. On the plus side i've been accepted for a 30 day rolling sim with 3 so hoping that they report to the 3 CRA's to build up some positive history.

matttye

jessie4109 wrote: »

Quick update. Entry now not showing on Experian or Equifax just got to hear back from Noddle/call credit. Just got to focus now on 2017 when all the bad stuff will have gone off my credit report. On the plus side i've been accepted for a 30 day rolling sim with 3 so hoping that they report to the 3 CRA's to build up some positive history.

Good stuff

I used to have a rolling contract with them and it definitely shows up on Equifax and Noddle. I can't remember whether it was on my Experian report or not.

jessie4109

Just logged into Noddle and that too has been updated as of today. Yay finally got rid of the mess of that loan.

MAYA58

Hooray well done. ������

fermi

jessie4109 wrote: »

Quick update. Entry now not showing on Experian or Equifax just got to hear back from Noddle/call credit.

jessie4109 wrote: »

Just logged into Noddle and that too has been updated as of today. Yay finally got rid of the mess of that loan.

Excellent. Thanks for the update with the good news. :j

Experian_company_representative

Defaults should only be registered once and drop off your report after six years. If sold on to another firm they can be re-registered but with the original default date and the original entry flagged to exempt it from credit scoring. The ICO issues a guidance note on the filing of defaults, which lenders should follow.

James

Thrugelmir

matttye wrote: »

Right but so is the default. If they add late payment markers, they should still have left the default on the credit report. By removing the default, they are removing factual information and effectively worsening the OP's position.

Suggest you get a job in finance and obtain an understanding from the other side of the fence. May enlighten you and the views you hold.