Reporting Defaults (Timescales)

BBOA

Hello, without going into all the detail. I just wondered if someone can specifically point me in the direction of information relating to the time scales if any that govern DCA reporting defaults on a credit file.

Thank you.

[Deleted User]

Within 6 months of default.

Willing2Learn

From the ICO:

Principles for the Reporting of Arrears, Arrangements and Defaults at Credit Reference Agencies

BBOA

Hi Zx

Is there a time limit as to when they can add it to a credit file?

[Deleted User]

Anytime, but it should be dated within 6 months of the default.

BBOA

Ok thanks so much Zx just mystified how a supposed default can appear on my credit file nearly 3 years, since the DCA apparently bought the debt.

[Deleted User]

They often do.

Just ask them to change it.

BBOA

Hi Zx sorry I don’t mean the default date itself, I mean the actual entry onto my credit file

Willing2Learn

If a debt is sold to a debt collector, then the new creditor should use the same default date as the original creditor did.

BBOA

Thanks Willing to learn, I am actually talking about when it appeared in credit file, the default itself was apparently 3 years ago, but the CRA only appeared on my credit file in January.

DCFC79

BBOA wrote: »

Thanks Willing to learn, I am actually talking about when it appeared in credit file, the default itself was apparently 3 years ago, but the CRA only appeared on my credit file in January.

Which agency ?


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