MBNA agreement - default on Experian

musicboy

Folks,

I was offered a job with RBS recently and they told me they were going through 'pre employment checks'. I worried that this might involve my credit history because I've been a mature student and have had to obtain 'agreements' with my two loans to reduce the payments - however these have since been brought up to date, but I knew there might be some damage to the credit file.

I have been told this week that the offer of the job has been withdrawn because of something on my Experian credit report (which they couldn't tell me about). It turns out that I had an agreement with Virgin / MBNA to freeze interest and pay £1 a month towards the credit card account, but when I changed banks I forgot to re-establish the payment. I no longer get statements and haven't had any letters from them so I completely forgot about it.

Can I contact MBNA, pay X amounts of £1 and get my credit file changed so it says 'up to date' or at least 'in agreement' ? Because of this daft oversight on my part I have now been refused this job offer due to something which - in my view - is totally unrelated to the job I would be doing. I have a clear criminal record, I've not had any CCJs and I've not been made bankrupt or anything like that.

To say I'm frustrated and annoyed is an understatement ... any thoughts would be appreciated.

Terms 0 @ £ 0 (Monthly)
Status Defaulted
Current Balance £ 6,346
Start Balance £ 0
Credit Limit £ 0
Default / Delinquent Balance £ 6,346
Start Date 29/02/2008
Date Updated 04/12/2012
Date Last Delinquent
Date Satisfied
Default Date 30/11/2012
Payment Amount £ 1
Previous Statement Balance £ 6,348
Cash Advance Amount £ 0
Number of Cash Advances During Month 0
Credit Limit Change Decrease
Minimum Payment?
Promotional Rate; No

fermi

It has been defaulted, so that will stay for 6 years from the default date.

Statuses of "up to date" or an "arrangement to pay" only apply to undefaulted accounts, so no, you are not likely to be able to get it changed to that, no matter what you do/pay.

Even if you pay off the entire balance now, the default would remain. It would just be a "satisfied/settled" default.

musicboy

Thanks fermi,

So I might as well start paying the £1 so at least it shows 'progress' for now ... then just live with the hit

Cheers for the quick reply