T-Mobile Default On Credit History

mrviews · 4th February 2007, 20:01

Hello Guys, When I was younger I rushed out and bought a T-Mobile phone on contract but subsequently didn't pay the bill. The account was defaulted at £200 and it appears on my credit report.

Is there any way I can pay this off and get this removed?

Karma1 · 4th February 2007, 23:57

No , your pretty much stuck with it i'm afraid. You can pay it off and it will help on your credit file. I did the same thing with Orange.

buzby · 5th February 2007, 10:51

It will drop off after 6 years, but if you pay it off, it will be marked as 'Settled'. It's your choice whether you pay or not, but if its only got a short time as showing as unpaid, you might as well consider whether it is worth it.

Karma1 · 5th February 2007, 19:41

How old are you now ?

mrviews · 5th February 2007, 19:41

almost 22

Karma1 · 5th February 2007, 19:47

If you pay it now it will stick for another 6 years so in total it would be on file for maybe 8-9 years

buzby · 5th February 2007, 20:35

Not so. The date of the default remains as listed, a change to 'settled' should not restart the clock. If it did, it should be challenged.

Karma1 · 6th February 2007, 01:18

Quote:

Originally Posted by buzby

Not so. The date of the default remains as listed, a change to 'settled' should not restart the clock. If it did, it should be challenged.

I always thought that from when 'Settled' is added, it stays 6 years from settled when it's finally paid

buzby · 6th February 2007, 13:59

On the Registry Trust database, a Default date gives the primary date of entry. Any change to this (like being 'Settled') gives the date of settlement, but this is relates only to when the settlement was noted. Let's say the Default was paid 3 years after it went on the file. 7 years on from the original Default, this would drop off completely. If it didn't, the record would show only that a Default to an unknown creditor had been settled. This would be unfair, hence the key date is when the Default originally applied.

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