credit card to DCA defaults
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meme86
Posts: 115 Forumite
I've been on a DMP for a while now, and my defaults will be coming off my file in a few months, and I am looking at my credit report, and have successfully disputed a date.
With a different account, one of my credit cards MBNA was passed onto a DCA early on (within a couple of months after starting DMP), before being passed onto another, PRA Group.
My question is, can both of them default me, as that is what has happened?
PRA have never asked for a minimum monthly payment, and on my DMP, my payment has never decreased.
With a different account, one of my credit cards MBNA was passed onto a DCA early on (within a couple of months after starting DMP), before being passed onto another, PRA Group.
My question is, can both of them default me, as that is what has happened?
PRA have never asked for a minimum monthly payment, and on my DMP, my payment has never decreased.
0
Comments
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The original creditor will of defaulted you, when the debt was sold, the balance should of been reduced to zero.
Then the new owner starts reporting on your credit file with the default balance the debt has outstanding.
It is still the same default.
The original default date should remain the same, and it should drop off your file after 6 years.
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