6year issue 12 September 2021 at 6:09PM in Credit file & ratings 1 reply 131 views

Insomnius

Going through forums like this one, I found access to Experian which showed a financial link through an old mortgage that had still not been removed, but also 2 defaults from 6years ago this month.

Interestingly the 2 defaults are from an old MBNA card, which was defaulted, passed to PRA but then they added a second default…

I have paid PRA every single payment on time but they’ve given the default date as the original MBNA default date but they update my file every month to say it’s a defaulted account.

Is this normal? Will these two defaults disappear at the end of this month anyway because of the original default date, or will PRA continue to class this as a defaulted account each and every month going forward?

Thank you very much for taking the time to read this post.

y3sitsm3

This is normal.

The account is not defaulted every month, it only defaults once.  Once it's defaulted it will be reported as such until it drops off, 6 years from the default date.