Credit account default?

LeeS35

Good evening all,

Newbie to the site, so please forgive me if this has been asked umpteen times already. I am seeking advice to a credit account on my profile (HSBC credit card), it was in default and being paid off on a management plan, however the balance was paid in full in December 2015. It is still showing as in default with an outstanding balance of £1130 even though the account was updated during April 2016? This is on the Noddle credit service. Any ideas on the best way or what I could do to possibly get this removed in case it is further damaging my credit score, etc. any advice appreciated. Many Thanks in advance, Lee.

DCFC79

Hi Lee

First thing is so the balance was paid off in full last year correct ? And the account is showing as still in default correct ? I don't think you will get it removed but you might be able to get the fact it's still in default sorted.

Secondly no one and I mean no 1 ( not even God ) except you can see your credit score.

LeeS35

Thanks for the prompt reply DCFC79. Yes that's all correct. Right I see, so I guess I would need to take that up with HSBC directly? At least if it shows the balance to be £0 it may help? I also had a current account/overdraft with hsbc and a couple of other debts with other creditors but it's just that one credit card debt that still shows up as an outstanding debt.
Thanks once again, Lee.

Anthorn

I differ. If an account is paid in full the status should be "settled". The caveat is that the account stays on your credit history for 6 years after the settlement date not the default date.

Try an inquiry with the CRA.