How would a default appear? Callcredit

DAWN08

Hi everyone looking for advice...

How would a default appear on my callcredit report? I have a few old accounts ( now up to date and closed since 2013) that still appear on my report under closed accounts.

I had about 6 months of missed payments in 2012 on these accounts. On my report these months show as orange dots with various numbers (1, 2, 3) which i know illustrate how many missed payments, but i cannot see whether these accounts were ever formally default (and cant remember from the time nor do i have any related paperwork).

If these accounts were default would it be shown explicitly on my credit report? Can i assume then they are just missed payment markers showing not a default?

Thanks in advance!

jimbo26

Under the Status column you will see default

[Deleted User]

It would show if it defaulted.

Were the accounts closed as a result of any of these missed payments?

DAWN08

Thanks for the replies - the accounts were not closed immediately, I brought up to date, operated them for a couple months after then closed the accounts as I recall. Under status it lists as 'settled'?

[Deleted User]

That!!!8217;s correct then

sparkey1

DAWN08 wrote: »

Thanks for the replies - the accounts were not closed immediately, I brought up to date, operated them for a couple months after then closed the accounts as I recall. Under status it lists as 'settled'?

Tip for the future. Once you bought them back under control you should have kept them open. After 3 years they would have dropped off the history. Whereas by closing them with the bad history still on, the information remains for six years from closing.