Credit report help

talmik

Hi all,
Ill start with the long story short. 3 years ago we found out my mother ran up debts in mine and my brothers name. He reported her and I didnt (I'm the dumb one) I avoided credit report sites for fear of finding more debts that I didnt know about. Today though I finally signed up to noddle, sadly I found one debt I knew nothing about and two I did know of. These two debts, a loan and a credit card are listed as defaulted. How ever two years ago I arranged payment for these through a debt agency. When I went to the bank they told me they have no record of me at all. Should these still show as defaulted or should they have vanished by now? Should I report this for a notice of correction?
Thanks for your time guys

gb12345

talmik wrote: »

Hi all,
Ill start with the long story short. 3 years ago we found out my mother ran up debts in mine and my brothers name. He reported her and I didnt (I'm the dumb one) I avoided credit report sites for fear of finding more debts that I didnt know about. Today though I finally signed up to noddle, sadly I found one debt I knew nothing about and two I did know of. These two debts, a loan and a credit card are listed as defaulted. How ever two years ago I arranged payment for these through a debt agency. When I went to the bank they told me they have no record of me at all. Should these still show as defaulted or should they have vanished by now? Should I report this for a notice of correction?
Thanks for your time guys

The defaults will stay on your credit history for 6 years from the date of default. Even though you paid the debt agency, the original default is correct.

nicp60

Sorry to hear about your problems.

They were perfectly correct to put a default on your file as you (or in this case your mother) broke the original agreement.

This will stay on your file for 6 years from the date of the default. Unfortunately there's nothing you can do about this. You could put a notice of correction, but without a crime reference number then it's just your word against theirs.