Horrible credit report defaults

samnymr

Hi there

I have a horrible checkered past. loads and loads of payday loans, Even though i had loads, I only 4 defaults on all my accounts.

I am happy to share my credit report with someone via pm if there willing to look into it and see if you can help me remove these defaults/a/r /latepayments

[Deleted User]

On what basis are you hoping to remove the late payments and defaults?

Gaz83

samnymr wrote: »

Hi there

I have a horrible checkered past. loads and loads of payday loans, Even though i had loads, I only 4 defaults on all my accounts.

I am happy to share my credit report with someone via pm if there willing to look into it and see if you can help me remove these defaults/a/r /latepayments

Unless a forum user has access to a working time machine, how do you propose they remove late payments?

jellie

You haven't said why you believe the default should be removed?

Strummer22

Did you make late payments, and default on all 4 of those accounts? If so, your credit report is accurate and you shouldn't be trying to remove those unless you can prove you were mis-sold the credit products.

Otherwise I have only one solution to your problem. Travel through time at a rate of one second per second, just like the rest of us, until those defaults no longer appear on your file. Oh yes, and don't miss any more payments.

SalemD

Good luck - hope you get the info ASAP

gunsandbanjos

samnymr wrote: »

Hi there

I have a horrible checkered past. loads and loads of payday loans, Even though i had loads, I only 4 defaults on all my accounts.

I am happy to share my credit report with someone via pm if there willing to look into it and see if you can help me remove these defaults/a/r /latepayments

Does the report represent an accurate picture of your credit history? Did you default, make late payments etc.?

If yes then there is no reason to remove them.

MABLE

samnymr wrote: »

Hi there

I have a horrible checkered past. loads and loads of payday loans, Even though i had loads, I only 4 defaults on all my accounts.

I am happy to share my credit report with someone via pm if there willing to look into it and see if you can help me remove these defaults/a/r /latepayments

It may be horrible but its your own making. CRA's only report the facts.

GingerBob_3

MABLE wrote: »

It may be horrible but its your own making. CRA's only report the facts.

Well, some of the time. They also report lies and inaccuracies. Some of this is due to inappropriate, or absent, QA on incoming data. In other cases it's down to their policies.