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default on credit report
XYZ1000
Posts: 235 Forumite
I can't work out if my cards and loans went as a default when I went onto a DMP in 2010. I have checked my report and just one is showing. Is there any other way of knowing that anyone knows please?
I have checked Noddle and Experian.
I have checked Noddle and Experian.
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Comments
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If they dont show as been defaulted on any of the CRA`s, then they are not defaulted.
A default is clearly shown along with the date of default.
Likewise you would also be informed in writing (normally) if a creditor were to default you.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 -
Thanks Sourcrates would it still show even if 6 years have past and they have dropped off?0
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Thanks Sourcrates would it still show even if 6 years have past and they have dropped off?
Ah, well thats a different story.
If they were defaulted more than 6 years ago, nothing would be showing on your file.
The only way of finding out in that situation would be to write and ask the creditor, and if necessary, do a SAR (subject access request) at a cost of £10.
But even then creditors are only obliged to keep this information for 6 years, so you may not be any further ahead.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 -
Other companies have either brought the debt or collecting on behalf of the original bank which I borrowed from.
Would I request the information from the ones who are collecting the money?
I have sent of asking for the original credit agreement today. I just wondered if they could put a default onto my account if I stopped paying. Or would you suggest that I continue the payments until the time is up for them to produce the agreements?0
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