How much does a default from Virgin Media affect your ability to rent?

JustAGuyWithQuestions

I received a default on my credit file for an apparent missed payment back in 2019. I have since tried to dispute this but it seems it is there to stay. When applying for a flat to rent a few months ago the agency worker asked if I had any CCJ's or debts, to which I said no but I let them know of the default and they never got back to me, so I'm wondering how much this default will have or will continue to cause issues renting.

Thanks.

sourcrates

Landlords typically only get to see public information with a Landlord check. 

I believe they can also obtain a more in depth report for a larger fee, although what added information that gets them I am not sure.

SusieT

Do you have an actual default, or, do you have a missed payment marker? There is a big difference, so if its only a missed payment marker it will have a far less negative effect on your history than a default would. 
If it one missed payment marker, then you need to call it that when talking to an agency. Hopefully they will only see the public information, and that will be fine.

JustAGuyWithQuestions

SusieT said:

Do you have an actual default, or, do you have a missed payment marker? There is a big difference, so if its only a missed payment marker it will have a far less negative effect on your history than a default would. 
If it one missed payment marker, then you need to call it that when talking to an agency. Hopefully they will only see the public information, and that will be fine.

It's a default, my last missed payment marker was early 2020 

[Deleted User]

A default should really only be marked after 2-3 missed contractual payments, per ICO guidelines. A single missed payment is a pain but not the end of the world - have you paid it so at least it's marked as settled?

JustAGuyWithQuestions

Deleted_User said:

A default should really only be marked after 2-3 missed contractual payments, per ICO guidelines. A single missed payment is a pain but not the end of the world - have you paid it so at least it's marked as settled?

I paid it a long while ago and then closed the account, but for some reason it was still showing on my credit file up until just a few days ago after disputing why it was still showing as an active account...the default is still there though. I think if I challenged it any further it wouldn't do me any good.

[Deleted User]

JustAGuyWithQuestions said:

Deleted_User said:

A default should really only be marked after 2-3 missed contractual payments, per ICO guidelines. A single missed payment is a pain but not the end of the world - have you paid it so at least it's marked as settled?

I paid it a long while ago and then closed the account, but for some reason it was still showing on my credit file up until just a few days ago after disputing why it was still showing as an active account...the default is still there though. I think if I challenged it any further it wouldn't do me any good.

Closing an account is irrelevant, it stays on for 6 years - correct it should be marked as closed but it can be reported as defaulted / late until it reaches 6 years. You can challenge it to back date the default so it drops off sooner, quote the ICO guidance but if you missed a payment in 2019, it will be there to 2025