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Cabot Financial
JadedAngel88
Posts: 265 Forumite
I had 6 defaults on my credit file. 4 have dropped off, 1 remains till 2025.
One of the 4 that dropped off was from Cabot Financial, I had a bit of a situation with them and eventually they sent me a letter, which I have kept, to say they have decided to close the account and it will drop off my report on the 28th February 2023. For a week I just had the one default.
Now I've just checked my credit report on clear score to see that they had added it back with disputed.
It doesn't appear on MSE credit club but that doesn't update till the 8th April and it's not on credit karma, sorry I know it's Equifax, Experian and TransUnion but I can't remember which does what, so should I be worried about it.
Can they do that, adding it back with disputed?
I'm not bothered, I think I'm annoyed more than anything. They haven't been the easiest to deal with but which dca is.
One of the 4 that dropped off was from Cabot Financial, I had a bit of a situation with them and eventually they sent me a letter, which I have kept, to say they have decided to close the account and it will drop off my report on the 28th February 2023. For a week I just had the one default.
Now I've just checked my credit report on clear score to see that they had added it back with disputed.
It doesn't appear on MSE credit club but that doesn't update till the 8th April and it's not on credit karma, sorry I know it's Equifax, Experian and TransUnion but I can't remember which does what, so should I be worried about it.
Can they do that, adding it back with disputed?
I'm not bothered, I think I'm annoyed more than anything. They haven't been the easiest to deal with but which dca is.
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Comments
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Your credit report has to be accurate.
What is the date of the Cabot default?
mse credit club is Experian
Credit karma is Transunion
Clearscore is Equifax0 -
The date of default was 28th February 2017.fatbelly said:Your credit report has to be accurate.
What is the date of the Cabot default?
mse credit club is Experian
Credit karma is Transunion
Clearscore is Equifax0 -
Should have gone by now then, query it with the CRA.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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It did go but then today I looked on clearscore and it said 'disputed'. The only reason I looked at it was because a few days ago it had a note in the 'upcoming in your next report' and it said it was Cabot Financial.sourcrates said:Should have gone by now then, query it with the CRA.
I have sent a message to clearscore but it's just weird that it disappeared then reappeared with the disputed tag.
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