default date query

J_May

My Husband carried out a credit check a few years ago on Noddle,the rating was poor but we understand that after 6 years it is seen as cleared and he can begin to improve the rating.

Unfortunately, when he logged on yesterday a new debt has appeared on the report which says default. The debt was taken on in 2010, he defaulted on payments in 2011 but the date it showed on the report is Sept 2016. Can anyone tell us if we have to wait 6 years from Sept 16 before it clears, or will it clear 6 years from 2011? Also, can we pay this debt off even if it is recorded as defaulted, and will his make a difference to the credit rating? Thank you!

sourcrates

Hi,

It will fall off his file 6 years from the date of default (default date is recorded on credit report).

Paying the debt off will result in the entry been marked as settled, but nothing you do will remove the default until the 6 years run out.

If you believe the default date to be incorrect, you can write and complain to the creditor.

J_May

Thankyou, I'll check the dates again on the report