DRO - Last delinquent date

Soprano

Hi, I hope I explain this right.

I had a DRO agreed in February 2014 and have two accounts in still marked as being in arrears, but in my SETTLED ACCOUNTS on my credit score.

One is an old Barclay account with £2359 which Status: DEFAULT February 2014

The second is a Barclaycard Status: DEFAULT September 2017 and a balance of £2150 on it

What I don't understand is I have February 2014 marked as a delinquent dateon both of these accounts. Looking into that, a delinquent date falls off your file in 7 years, rather than 6.

Also, shouldn't these balances be set to: £0?
My other debts:

MBNA is £0 Status: Settled in 2015
Tesco £0 Status: Settled August 2016

All four come in my SETTLED ACCOUNTS file

My credit score is being damaged by the two Barclay ones 'Whats holding you back' section . Is there anything I can do?

fatbelly

Can you post a link to what you have found about a delinquent date extending the period that an entry stays on your credit report, because that is a new concept to me.

My understanding is that in your situation the correct mark is DEFAULT February 2014 & zero balance.

Anything else - you should complain.

Soprano

fatbelly wrote: »

Can you post a link to what you have found about a delinquent date extending the period that an entry stays on your credit report, because that is a new concept to me.

My understanding is that in your situation the correct mark is DEFAULT February 2014 & zero balance.

Anything else - you should complain.

https://www.experian.com/blogs/ask-experian/delinquency-cannot-be-removed-after-on-time-payments/

How Long Do Late Payments Remain On the Report?
Late payments remain in your credit history for seven years from the original delinquency date, which is the date the account first became late. They cannot be removed after two years, but the further in the past the late payments occurred, the less impact they will have on credit scores and lending decisions.

Thanks for asking.

sourcrates

Soprano wrote: »

https://www.experian.com/blogs/ask-experian/delinquency-cannot-be-removed-after-on-time-payments/

This is quoted from Experian.com, this usually applies to North America and Canada.


In the UK its Experian.co.uk, and you will find the period for defaults/delinquent accounts to show is 6 years.

Soprano

Okay, thats a bit better I suppose.

Debt Camel seems to have the information I need

https://debtcamel.co.uk/repair-credit-record-dro/

I am going to write a letter to the data controller and tell them to set the amounts as £0.00

thanks for your help

fatbelly

Soprano wrote: »

Okay, thats a bit better I suppose.

Debt Camel seems to have the information I need

https://debtcamel.co.uk/repair-credit-record-dro/

I am going to write a letter to the data controller and tell them to set the amounts as £0.00

thanks for your help

That's a better link