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Letter asking to remove credit black mark
lewt
Posts: 9,158 Forumite
in Credit cards
Hi i got into trouble 3 years ago with a natwest credit card, and have a mark on my credit report. they have given me a card again at the beggining of the year, however i checked my crdit report and the old default is still there after i have paid in full the balance i used to owe.
Is there a template letter i can use to ask them to remove it? or any ideas what i should say in it. Thanks.
Is there a template letter i can use to ask them to remove it? or any ideas what i should say in it. Thanks.
If i upset you don't stress, never forget that god aint finished with me yet.
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Comments
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Stays on for 6 years from the date of the default I'm afraid.
The only thing you can do is add a note to your credit file.British Ex-pat in British Columbia!0 -
i thought they could remove it.If i upset you don't stress, never forget that god aint finished with me yet.0
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Unfortunately not, unless it was factually incorrect - ie you never actually defaulted or it was due to fraud comitted by someone else, for example.
Been there, done that!British Ex-pat in British Columbia!0 -
i thought they could remove it.
Hi,
I once had a special arrangement regarding a store card on my credit report which they removed as a gesture of goodwill however I believe a default has to stay on there for 6 years. It's a responsible thing to do on the lenders behalf anyway. I have had a default in the past however, but as it was only one and I kept everything else in order it didn't impact on my credit file anyway.
xDMP Mutual Support Thread Member No 19017/05/08 - Total on DMP: £10025.7007/05/14 - Total on DMP: £1666.20 DFD: July 2017!!Baby Tomos born 5th June 2009 - 6lb 5oz :jWeight Loss Target - to lose 60.8lb by NYE 2015 - 37.6lb TO GO0 -
worth a shot at a begging letter, pointing out i may very well usethem for a morgage then...If i upset you don't stress, never forget that god aint finished with me yet.0
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They can remove it if they want to. You have nothing to lose by asking.0
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