We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

removing defaults from credit file

Options
I've read a few posts were people say they have had success in having defaults removed from credit files if they paid or all or part of the balance. Is this actually something that can be done even after the debts are settled/partially settled? I've always thought as this is a true representation of credit that they weren't allowed to remove this information?

Comments

  • happy_bunny_2
    happy_bunny_2 Posts: 4,488 Forumite
    Unlikely, but you never know unless you ask.

    Who owns it?

    How much for?

    What's the default date?
    :beer:
  • MNM2903
    MNM2903 Posts: 322 Forumite
    Fifth Anniversary Debt-free and Proud!
    Well I had a few in the past all of them are under £500. Ridicolous I know as I should have paid them. The dates vary from 2010 - 2014.
  • MNM2903
    MNM2903 Posts: 322 Forumite
    Fifth Anniversary Debt-free and Proud!
    edited 7 April 2015 at 10:02PM
    Oh and obviously owned by a few different companies like lowell, pra group, ssl capital and Halifax.
  • happy_bunny_2
    happy_bunny_2 Posts: 4,488 Forumite
    Unlikely to get em all removed.

    Worth a go though, DCAs may be desperate for cash if you time it near the end if the month/quarter.

    Make sure you get any offer in writing before paying though.

    HB
    :beer:
  • skintpaul
    skintpaul Posts: 1,510 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    If a CCJ gets fully paid within a month, I think it gets removed, or at least marked as settled.


    any old stuff (6yrs+ ?) drops off automatically.
    breathe in, breathe out- You're alive! Everything else is a bonus, right? RIGHT??
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244K Work, Benefits & Business
  • 598.8K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.