Requesting a default to improve credit rating

User0251287

Hi all,

Just after a bit of advice on defaults and credit reports. In Q3 2012 I had run up unsecured debts of around £20k ( aged 23!). I entered into a DMP with Stepchange/CCCS and managed to repay the debts within 4 years due to most of my creditors kindly freezing interest and charges! All my debts are now settled :j Several of my creditors defaulted me after missing a few payments and these defaulted debts have now dropped off my report :T. Three of my creditiors (RBS, Barclaycard and Newday) did not default me and my question relates to whether I can ask them to retrospectively add a default date in order for the debts and payment history to disappear off my credit report?

Thanks in advance

[Deleted User]

You can ask.

But if they!!!8217;ve marked them as AP then that!!!8217;s correct

Willing2Learn

!!! wrote: »

You can ask.

But if they've marked them as AP then that's correct

Ditto to this.

@OP - Well done on becoming debt free!!! :j

fatbelly

Yes you can - quote this

https://forums.moneysavingexpert.com/showpost.php?p=72059053&postcount=4

User0251287

Thanks! Have you heard of any successes with this method?

binaryuniverse

I managed to get Barclays to remove my AP from my file, after arguing that it put me in a far worse position than a default. It's definitely worth a go. Although if they you're no longer paying them they may not be as forthcoming.

But, don't ask, don't get. Send a letter to each of the creditors stating your case, and go from there.

User0251287

Thanks all. I have sent emails to all 3 via resolver after doing some research. I will update as to how I get on for anyone else who may stumble across this post.

DCFC79

Remember that your credit rating is only seen by yourself and no 1 else, lenders see your history.

User0251287

Yes but my understanding is that if the debts are defaulted back to 2012 when I originally fell into arrears, the history for each of these debts will disappear 6 years after the date of default. This will improve my own credit rating and should make me more attractive to mortgage lenders

[Deleted User]

It will make it look more attractive to lenders because you no longer have the defaults on your credit files yes.

But not for the made up score or rating that no one sees

User0251287

I do not have defaults on my credit report. I think you have misunderstood my original post. I understand the score is made up by Experian. I am trying to improve my chance of a mortgage by cleaning up my credit history. I am asking lenders to default my accounts back to 2011 so that the adverse information disappears from my report.

FIRST SUCCESS! Barclaycard called less than 24hrs after sending my complaint via resolve and agreed to my request. One step closer to a successful mortgage application. Just RBS and NewDay to go