Default should have dropped off

chonty1982

Hiya,

I defaulted on an account which will drop off my credit file this month. I am still paying the debt. I just went onto clearscore to look at my report and it says from next month:

A credit agreement will be removed from your next credit report
See details
A new credit sale fixed term will be added to your next credit report
See details

I'm confused what the new credit sale fixed term is. That's the same debt that's coming off my account. How is this possible?

Please help, I'm really confused! I was looking forward to having a clear credit report!

Thanks
Chantelle

[Deleted User]

Ask the CRA to explain it

chonty1982

What's the CRA?

Willing2Learn

The (CRA) Credit Reference Agency is Clearscore/Equifax

chonty1982

Ah ok thanks. I can't call clear score so have emailed them. Ive looked at my Equifax report and this isn't on there! I'm very confused.

Carrot007

chonty1982 wrote: »

Ah ok thanks. I can't call clear score so have emailed them. Ive looked at my Equifax report and this isn't on there! I'm very confused.

Companies are free to report to whichever CRA they like. This can be all, 1, 2, none or whatever they like. Each agencies report is just areflection of the data they hold.