Default date query

PalmSprings2024

Afternoon - just a quick one on any experience with default dates. Should the default date be reflected on my credit report as the date of the default notice? Or can there be a bit of a delay with reporting these to the credit bureaus? I was calculating my “default free rate” as 6 years from the date of the default notice I received. Many thanks 

sourcrates

Within a few weeks yes, creditors don`t always default when they say they will.

When an account does default, the date of default is always recorded on your credit file.

PalmSprings2024

Thank you @sourcrates should I then wait until the default is showing on my credit file before I make payments? Thanks again 

sourcrates

  Yes of course. 

PalmSprings2024

I’m hoping to be default free by May 2031 - only one default notice has been registered on my credit report but I have had default notices under s87(1) all by post which I have filed. If they keep delaying registering one on my credit file can I request that they register one or complain to the FOS about this? Many thanks!

sourcrates

You can request they apply a default to your credit file, yes.

But you must exhaust the companies own complaints process before you can get the FOS involved.