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File clean up question
Robinhoody
Posts: 76 Forumite
If someone still has a debt showing from 2010 that has got renewed as default every month since then, and the person even did a dro a few years ago that this debt was included in
what is the process to get rid of it
they have filed a dispute with credit reference agents
but the debt is with Halifax who do we contact to get rid of it please?
what is the process to get rid of it
they have filed a dispute with credit reference agents
but the debt is with Halifax who do we contact to get rid of it please?
0
Comments
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Does anybody have the contact details for Halifax or how can I know the correct contact info to clear this up please?0
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Raise a query through credit reference agency to say it should now be removed if it’s 11 years since it defaulted they will contact the lender1
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Defaults drop off your file naturally after 6 years, if this one hasn't done so, that is very unusual.
It would be best to contact the creditor as well, as the CRA`s only process information given to them, if not corrected to your satisfaction, the ICO is the next step.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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