Argos defaults covered and closed by StepChange still showing Adverse

BarlbyDesign

About 6 years I had my debts taken care of and consolidated by StepChange.  I paid StepChange monthly for 6 years, it was all paid off and closed off last year (March 2022).
But it's still showing on my Experian, TransUnion and Equifax reports as Adverse even though they were closed off and satisfied over a year ago.  How can I remove these errors?  Or are they errors?  Really need them off my credit report as StepChange had taken care of it all and all was fully paid up.  Any help or advice seriously welcome and gratefully received.

candiii

Did you receive any defaults for the accounts? If so, they will remain on your credit file for 6 years, from default date, even though the account has now been satsifed/settled

BarlbyDesign

Yes, but it was StepChange who paid them off each month for 6 years every month.  None of the payments should have been defaulted throughout the 6 year period.  They were paid on time but still kept flagging it up as a default.  Surely this is in error?
It was all closed off a year ago.  

candiii

BarlbyDesign said:

Yes, but it was StepChange who paid them off each month for 6 years every month.  None of the payments should have been defaulted throughout the 6 year period.  They were paid on time but still kept flagging it up as a default.  Surely this is in error?
It was all closed off a year ago.  

If a default was given during that time, then the account/accounts will fall off of your report 6 years from the date of the default being issued. If the creditors were marking your payment history as late payment or payment/debt management plan, the account/accounts will fall off of your report 6 years after the account was closed

[Deleted User]

Stepchange doesn't charge for its service, in what way were you paying them ?
Maybe @fatbelly can offer better advice here.

candiii

[Deleted User] said:

Stepchange doesn't charge for its service, in what way were you paying them ?
Maybe @fatbelly can offer better advice here.

I think the OP meant they were paying their creditors via StepChange rather than being charged for a service

sourcrates

Look at the default dates of each account you have, six years from that date the whole entry will automatically be removed from your credit file.

That is unless they were not defaulted, and were marked a AP instead. AP is "arrangement to pay", an alternative to a default, if that is the case, your accounts will show this status for a further 6 years from the date your accounts were fully repaid.

Once you entered debt management, your credit file just reflects the default status or AP status of your debts, your stepchange payments are not recorded, and have no effect on the status of your accounts, they will show as default or AP for the full 6 years, or longer in the case of AP markers, regardless of anything you may do.

Once they have dropped off, your credit history will hopefully improve.