We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Default V Closed account
Options
peteuk
Posts: 1,977 Forumite
I have an account on my credit file, which defaulted Jan 2016. The account was fully paid in Jan 2022. I assume that it will remain on my credit file until Jan 2028.
Proud to have dealt with our debts
Starting debt 2005 £65.7K.
Current debt ZERO.
Current debt ZERO.
DEBT FREE
0
Comments
-
No. It should have been removed Jan 2022.
Did it definitely default? Are you viewing up to date files?0 -
Defaults are supposed to drop off your file after 6 years regardless of any action you take.
It should be gone now, and its unusual that it has not done so, are you certain it was a default ?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-letter1 -
Defaulted on Equifax and TransUnion but never defaulted on experian. Equifax had it defaulted and then settled the following month.sourcrates said:
It should be gone now, and its unusual that it has not done so, are you certain it was a default ?
Do I correct Experian or leave it as a none default for the next five years?Proud to have dealt with our debtsStarting debt 2005 £65.7K.
Current debt ZERO.DEBT FREE0
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 350.8K Banking & Borrowing
- 253K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.8K Work, Benefits & Business
- 598.6K Mortgages, Homes & Bills
- 176.8K Life & Family
- 257K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards