Quote:
I have not made payments on any of the debts for 3-4 years now {poss longer} apart from 2 debts I ve rarely had any contact with the creditors {unusual I know} - they are all at default stage and Im curious to know how long the defaults remain on my file - why they are only defaults and not ccjs and when they are able to be removed does that happen automatically or do i need to request this?
Id like to be able to start to repair my credit history so am just need advice on what actions I need to take in order to do this.
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Defaults stay on your file for 6 years from the date registered. A CCJ will only show if any of your creditors have taken county court action against you. So if no CCJs they haven't done this. The defaults are removed automatically; you don't need to do anything.
It's worth checking when the 6 years is up as some DCAs and creditors do try to re register a default if you still haven't paid. You can only be defaulted once for a credit agreement even if you haven't paid it back.
Your credit history is a factual account of how you have managed your credit accounts so it can't be 'repaired' as such as only false information can be removed. Be wary of credit repair companies who offer to clean it up for a fee - they will usually just obtain a copy of your file which you can do yourself!
You could go the route of sending CCA letters to the creditors asking for copy credit agreement as in theory if this can't be produced then they shouldn't be providing your data to the cred ref agencies.
Hope this helps!
Personal Bad Debt Advice Please 
