are these default dates correct?

zackellie123

Hello.. just after some advice/ help..

I have recently checked my equifax credit file & found 3 defaults off Lowell Group DCA. They are very low amounts So i paid them straight away (£171, £185 & £30).. the part im unsure about is why the defaults were recorded along time after the Start date?

Heres what my credit file shows..

£171 start date: 15/04/2009, default date: 10/04/2011
£185 start date: 23/04/2001, default date: 02/07/2010
£30 start date: 17/05/2010, default date: 28/02/2013

Is this actually legal to record a default so long after the start date? If its not how do i get the ball rolling in getting Lowell to temove them.

Thanks.

fermi

Start date is when the account was 1st opened, if repeating the original info from the original credit.

Presumably you didn't open the accounts and then immediately default on them?

Candyapple

The start date is the date you opened your account, whether that be bank account, credit card account etc. Just because you defaulted in 2011/2010/2013, doesn't mean you didn't run your account(s) ok before that.

They are your accounts - when did you stop making payments on them?

Usually defaults are preceded by late payments so it will probably look something like 1,2,3,4,5,6 DDDDDDDD

zackellie123

Ok thankyou. The one for £185 is due to come off in july 2016 as the default date is 2/7/2010 is that correct? Thanks

fermi

Each will come off 6 years from the recorded default date, yes.

zackellie123

The one for £30 has another few years left yet there must be some way to force Lowells hand to remove it.. ? Thanks

Candyapple

zackellie123 wrote: »

The one for £30 has another few years left yet there must be some way to force Lowells hand to remove it.. ? Thanks

You should have really thought about that before paying it off, perhaps asking them to remove the default record as a gesture of goodwill if you paid. Now they have no incentive to help you as you have already paid.