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lea76
Posts: 209 Forumite
Good Evening
I wonder if anyone could give me some advice regarding some defaults I currently have. They relate to credit cards but I got into arrears and the credit card companies sold them on to different debt collectors. These are now showing on my credit file with the debt collection agency name and still showing as being in default even though I am paying them each month. Is this correct that they should be under the debt collection name and still showing as being in default each month? Also, will these now stay on my file until I fully pay them off? I defaulted on them 5 years ago.
Thanks in advance for any advice 
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Yes that's correct. The new buyer should retain the old default date and the entry be removed 6 years after this date0
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If the default date is 5 years old, then they will all disappear on the 6th anniversary.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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