We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 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!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
husbands credit score, is this wrong?
kazza292_2
Posts: 51 Forumite
hi, if husband has a default on his account in the year 2000 and it is still on his equifax credit report as a defaulted account ( payed off settled in 2004 ) should it now no longer be on his account as 6 years has gone by since the default
thanks for any advice
thanks for any advice
0
Comments
-
What is the default date recorded?
"Stay Wonky":D
:j:jBecome Mrs Pepe 9 October 2012 :j:j0 -
From: Equifax website: How long will information stay on my Credit File?Credit Agreements: 6 years from the date the account was settled, written off or defaulted, whichever occurred first.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
default date was dec 20000
-
I think as he settled it in 2004 you have to wait till 2010 before it drops offDFW Nerd #025DFW no more! Officially debt free 2017 - now joining the MFW's!
My DFW Diary - blah- mildly funny stuff about my journey0 -
I think as he settled it in 2004 you have to wait till 2010 before it drops off
Only if the account was not defaulted I believe. This is something I have checked with the Information Commissioner.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
im confused now , thought that as the default came first in 2000 then it should start 6 years counting from there0
-
Ah yes you're right... it's which ever came first... why not contact the credit referencing agency and ask them to remove it if they say no then surely they will tell you why DFW Nerd #025DFW no more! Officially debt free 2017 - now joining the MFW's!
My DFW Diary - blah- mildly funny stuff about my journey0 -
Hi
The default should have dropped off 2006 regardless. You will need to complain to equifax to remove this. Should be straight foreward0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.1K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.3K Spending & Discounts
- 247.1K Work, Benefits & Business
- 603.7K Mortgages, Homes & Bills
- 178.3K Life & Family
- 261.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards