Default Date?

Heisenkev

Hi,


New to the site so please be gentle/patient, and this may well be a daft question.


I recently signed up to the Credit club and have access to my Experian report on there, so I can see all accounts/defaults etc, and I can see the accounts opened date, the 'last updated' date, but can't seem to see the default date for each debt.


As I said, sorry if I'm just being simple here, but where do I see this?


Thanks in advance

PixelPound

Do you have any accounts that are in default, i.e. not paid and so broken the terms of the contract? If not then there will be no default dates (that's a good thing)

Heisenkev

I do have a couple of defaults on there unfortunately, from a while back, Showing as 'defaulted/ended'.


Was looking to find out the exact default date, so I can know when the 6 years is up and they will be dropping off.


I just can't seem to see it anywhere

fatbelly

I hope that's not a redesign on Experian's part, leaving out important information.

The ones I saw last week (I see a lot) had been redesigned, but AFAIK the default date was still there.

You will have to get an Equifax or Callcredit report.

binaryuniverse

I've just had a look at mine, and the default dates are noted on the 'Account Settled' part.

Heisenkev

Ah ok, this would make sense then.. Would be helpful to mark it as default date right enough, but if that's it then great.


Thanks for your help folks

cj1974cr

Hope this helps.

Defaults are removed from your credit file - 6 years from the date it's recorded and removed by the credit reference agencies automatically regardless of the fact if they have or haven't been paid.

If you have paid them within 6 years - it's marked as satisffed and still removed 6 years from the original default date - does this make sense ?

Heisenkev

Thanks,


I was aware of the 6 years thing, hence why I was looking to find out the default date. It looks like it is the 'Account Settled' date, looks like I have 1 default about to fall off in August this year, and the other 2 next summer.