Help!! Student default. Credit limit £200...default £600

not-money-motivated

Hi first time poster so take it easy, am just wondering if anyone could shed some light on my situation. In and around 2010 I had a credit card and missed and few payments then finally defaulted. The credit limit at the time was set at 200 pound and never went any higher, unfortunately by me missing lots of
Payments and finally defaulting, I ended up paying 600 in early 2011 What am wondering is if this is legal? The reason I ask is I have have worked hard at building my credit and now have a secure job and have had for a few years, what would be the chances of this default being removed, is it worth chasing up? Thanks

stator

You won't get the default removed from your file because it sounds like the information is accurate. You will have to wait the usual 6 years until it disappears.
Have you checked your credit files to make sure everything is accurate?

forgotmyname

It will drop off 6 years after the default date. Chances of getting it removed very slim to none. Yes its legal. You missed payments and they added charges and interest. Although £600 seems a lot.

Worth chasing. Thats upto you. But use the time until it drops off to improve your credit history. Make sure you dont miss anything else and have a backup account.

Dont waste money on paying for your credit score. Lenders do not use that score. They have their own criteria.

Just get your £2 report when you need it.