We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Default removed from Equifax?

obay
Posts: 570 Forumite
Hi,
Had a default placed on my credit report from 03/07/2012 that looks like it has now been removed from my equifax file? I thought they was suppose to last for 6 years, although it still shows on my experien report, does this mean that my default from that file should move off next month or so?
I am sure that this is wrong, but my mortgage has now shown up on equifax however not on experien..
My equifax report has now changed to 'good' repayment contact instead of pour as well.
Can anyone help me understand the default thing?
Had a default placed on my credit report from 03/07/2012 that looks like it has now been removed from my equifax file? I thought they was suppose to last for 6 years, although it still shows on my experien report, does this mean that my default from that file should move off next month or so?
I am sure that this is wrong, but my mortgage has now shown up on equifax however not on experien..
My equifax report has now changed to 'good' repayment contact instead of pour as well.
Can anyone help me understand the default thing?
[STRIKE]1/12/16 - £152,599.00 [/STRIKE]
[STRIKE]11/11/17 - £145,990.00 [/STRIKE] <> Overpaid £3916.
11/11/18 - £142,074.00
Barclays Car (5.99%)£0/£8,832.37
[STRIKE]11/11/17 - £145,990.00 [/STRIKE] <> Overpaid £3916.
11/11/18 - £142,074.00
Barclays Car (5.99%)£0/£8,832.37
0
Comments
-
Yes they stay for 6 years, the fact its still on 1 report tells me maybe its an error.
Have you checked what your report from Noddle is like, they use info from call credit I believe.0 -
Yes they stay for 6 years, the fact its still on 1 report tells me maybe its an error.
Have you checked what your report from Noddle is like, they use info from call credit I believe.
Noddle doesn't report the default either. Are we sure this is an error? Or could this be good news for me?[STRIKE]1/12/16 - £152,599.00 [/STRIKE]
[STRIKE]11/11/17 - £145,990.00 [/STRIKE] <> Overpaid £3916.
11/11/18 - £142,074.00
Barclays Car (5.99%)£0/£8,832.370 -
Is the default settled? Or do you still owe the money? may be a sign that it has been sold to a debt collection company or to a different company0
-
Yes been sold to a debt collector. Will be back next month, under a different name.0
-
Default was settled 1 month after issued[STRIKE]1/12/16 - £152,599.00 [/STRIKE]
[STRIKE]11/11/17 - £145,990.00 [/STRIKE] <> Overpaid £3916.
11/11/18 - £142,074.00
Barclays Car (5.99%)£0/£8,832.370
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.7K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 454K Spending & Discounts
- 244.7K Work, Benefits & Business
- 600.2K Mortgages, Homes & Bills
- 177.3K Life & Family
- 258.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards