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Challenge default date
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louie111
Posts: 23 Forumite
Hi,
I had a couple of credit cards with aqua and virgin money, stopped making the minimum payment around mid 2018, just checked my credit report and the default dates are around jan 19 and aug 19 which means it’s going to take even longer for them to disappear off my credit file. A couple of other defaults I had all put the default date to the date where I missed the first payment, is there anyway to challenge this?
many thanks
I had a couple of credit cards with aqua and virgin money, stopped making the minimum payment around mid 2018, just checked my credit report and the default dates are around jan 19 and aug 19 which means it’s going to take even longer for them to disappear off my credit file. A couple of other defaults I had all put the default date to the date where I missed the first payment, is there anyway to challenge this?
many thanks
0
Comments
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You can write and complain stating why you feel the default should be backdated. I assume you are on some sort of payment plan? Not all creditors play ball and some will never default an account, there is no legal requirement for them to do so.0
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