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How long for a default to appear on credit file
NaughtiusMaximus
Posts: 2,839 Forumite
Hi everyone
Hope someone can help with this.
I've been on a DMP since 2007, due to be paid off next year. One of my debts is with Tesco Credit cards but 2 weeks ago Tesco sent a letter to say it had been sold to HPH and managed by Robinson Way, a second letter arrived last week from Robinson Way saying the same.
My question is, if HPH/RW decide to issue a default against this account (I know they shouldn't but it happened to me a few years ago with another debt sold to a DCA), how long would it take to appear on my credit file?
I've just applied for a 1 month free trial with CheckMyFile, the Tesco debt isn't listed at all but there is an 'enquiry' listed in the search history for Robinson Way on 2nd August, I'm hoping that's a good sign.
Thanks
Hope someone can help with this.
I've been on a DMP since 2007, due to be paid off next year. One of my debts is with Tesco Credit cards but 2 weeks ago Tesco sent a letter to say it had been sold to HPH and managed by Robinson Way, a second letter arrived last week from Robinson Way saying the same.
My question is, if HPH/RW decide to issue a default against this account (I know they shouldn't but it happened to me a few years ago with another debt sold to a DCA), how long would it take to appear on my credit file?
I've just applied for a 1 month free trial with CheckMyFile, the Tesco debt isn't listed at all but there is an 'enquiry' listed in the search history for Robinson Way on 2nd August, I'm hoping that's a good sign.
Thanks
0
Comments
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I am led to beleive the CRA's update your file, on average, every calendar month.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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Thanks, will wait and see then.0
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