Sharing data with CRA but no signed agreement

Le_Pip

Looking for some advice and it's likely a long shot.
I'm repairing my credit file after redundancy and most of my defaults are dropping off in the next few months.

There's one from Next that went on two years ago as I missed the first payment on a plan.

It's an old account and they have no signed agreement.

I do not want to get out of the debt, in fact I've cleared it.

I would, however line to get rid of the default. As they have no signed agreement can I argue they have no right to share my data with the CRA?

I know it's a long shot, and accurate, but I'm hoping there's a possibility.

Thanks

happy_bunny_2

Nope, you can't argue that.

Your best bet is trying to argue the default is dated too late.

Can you give more info on when you started paying less/nothing and what you agreed etc? Also, what was the account being reported as. Arrangement?

Le_Pip

No, everything else is correct. Default date etc OK. Best grin and bear being a financial leper for a few more years.

happy_bunny_2

How come its so much later than the other defaults?

Le_Pip

I managed to keep it going, before I messed up.

happy_bunny_2

Once it's your only default, it's settled and it's 3 years old, you should be able to get credit. Not the best rates, but then once that's gone, you should be in a good position to get a better deal.