Delinquent Account?

hollip0p

Hi all,

Can someone please advise what a delinquent account is, and how long it will stay on my credit file?

I have a couple of defaults but have now noticed a delinquent account as well. It doesn't show a delinquent date, like my defaulted accounts do, so how do I know when it will drop off?

Is the effect on my credit file as bad/worse than a default?

Thanks!

nzxt

"Authorized Users and Delinquency

If you’re an authorized user on a delinquent account, the account could have a negative impact on your credit profile unless you contact the credit card company and request to have your name taken off the account."

Taken from Experian website blog

hollip0p

nzxt wrote: »

"Authorized Users and Delinquency

If you’re an authorized user on a delinquent account, the account could have a negative impact on your credit profile unless you contact the credit card company and request to have your name taken off the account."

Taken from Experian website blog

Thank you but I think that this is if you're an authorised user on somebody else's account - unless I'm reading it wrong?

In my case, the debt is mine and I am still paying it off as part of a DMP.