Defaults wrong?

learningaboutmoney3

I've been checking my credit reports over the past couple of days and today something hit me. I had lots of problems with credit when I was finishing university for the first time in 2006, we then had a pay out in 2009 and cleared a lot of debts. When I look on my file it shows the date of default as being a couple of months before the debts were paid off in 2009/2010. I'm positive I defaulted a long time before this probably 2006/2007.

So I have 2 questions:

1). If my debt is sold on does the date of default change to the date which they bought the debt?

2). If this is not the case how do I go about getting these ammended, baring in mind that I don't have the paperwork for these settled debts?

TIA

Tixy

1) It shouldn't, but debt collectors do sometimes incorrectly redate a default.

2) If the entry is in the name of the debt collector then you could try writing to them and pointing out that the default they are reporting on your file is incorrectly and unfairly dated. Point out that they are not allowed to change the default date on your credit file when taking over the reporting of a debt and that as the original default date was more than 6years old they should remove their entry from your credit file.
It may not be easy to get sorted without the paperwork, but I would try this first, and not bringing to their attention that you do not gave paperwork.

learningaboutmoney3

Thank you.

They are in the name of the original creditors so it can't be that they were sold on then but simply that they have the date wrong.

So would my next step be to contact these original creditors and ask them to change the date? Is there anyway of getting hold of the paperwork?

Tixy

If they are in the original creditors name then I would write to them and state that you believe the default date is incorrect and does not represent the actual conduct of the account.

Did you stop paying altogether? or did you pay reduced payments or what?

Point out that according to the ICO guidelines on filing default notices that they should have filed a default notice no later than 6months after you fell in to arrears on the account. You therefore feel that the default date is incorrect and it is unfair that then entry is still visible on your credit file and ask them to back date the default and remove the entry from your file.

In terms of getting a copy of the data - you could file a subject access request under the data protection act for any information they hold on your account (costs £10). If it wasn't paid until 2009 then they should still have something on the account, although how complete it will be is a different matter.

learningaboutmoney3

I've just been on the phone to two of them and they have both agreed to look into it. Barclaycard have said it will be ammended by the end of the month so if I check my credit file middle of next month I should see it.
Both were registered in my maiden name and I got married in 2008!

I hope this isn't too easy to be true!