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Landmark unsecured credit file reporting
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bunny73 said:sourcrates said:Nothing untoward at all, that`s the system we have unfortunatly, stepchange like you to start repaying your debts as quickly as possible, and that dosen`t always go in your favour, on MSE we try to show you a path to take which avoids negative information staying on your credit file too long, stepchange won`t tell you this.You should go down the written complaint route first, see if that helps at all.1
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Yahoo_Mail said:bunny73 said:sourcrates said:Nothing untoward at all, that`s the system we have unfortunatly, stepchange like you to start repaying your debts as quickly as possible, and that dosen`t always go in your favour, on MSE we try to show you a path to take which avoids negative information staying on your credit file too long, stepchange won`t tell you this.You should go down the written complaint route first, see if that helps at all.0
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bunny73 said:Yahoo_Mail said:bunny73 said:sourcrates said:Nothing untoward at all, that`s the system we have unfortunatly, stepchange like you to start repaying your debts as quickly as possible, and that dosen`t always go in your favour, on MSE we try to show you a path to take which avoids negative information staying on your credit file too long, stepchange won`t tell you this.You should go down the written complaint route first, see if that helps at all.1
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Yahoo_Mail said:bunny73 said:Yahoo_Mail said:bunny73 said:sourcrates said:Nothing untoward at all, that`s the system we have unfortunatly, stepchange like you to start repaying your debts as quickly as possible, and that dosen`t always go in your favour, on MSE we try to show you a path to take which avoids negative information staying on your credit file too long, stepchange won`t tell you this.You should go down the written complaint route first, see if that helps at all.0
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Further to the help given above, I have now received a reply from Landmark who have agreed to apply a default in 2013. Does this in any way improve things for me? Short version: in Dmp since 2013, no default applied on unsecured part of northern rock together mortgage. Credit report has 13 missed payment markers since 2015 despite me making all payments under arrangement. Does the default having now been applied have any bearing on the way the payments I’m making are being recorded? Can anyone direct me to relevant legislation? Many thanks again folks.0
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If they are backdating the default to 2013 then the account will drop off your credit file although the debt will still be owed. Once your credit file is updated you will have some options to get cheaper credit and hopefully sort your finances out - they can take up to 2 months to update file.Mama read so much about the dangers of drinking alcohol and eating chocolate that she immediately gave up reading.1
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gizmo111 said:If they are backdating the default to 2013 then the account will drop off your credit file although the debt will still be owed. Once your credit file is updated you will have some options to get cheaper credit and hopefully sort your finances out - they can take up to 2 months to update file.0
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bunny73 said:Why does it change from AP to 6 months markers though, that’s the bit I don’t understand? And in that pattern? Does anyone know and could explain? Thanks again.1
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bunny73 said:Why does it change from AP to 6 months markers though, that’s the bit I don’t understand? And in that pattern? Does anyone know and could explain? Thanks again.0
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