Well I did get them to remove the default in the end because the credit provider had not lodged a default against me ever and that they had not contacted me directly. Totally outrageous! Not sure whether my credit score will be affected or recompensed once it has been removed....this whole industry is just outrageously regulated.

Yes they did put it on the screen as the law requries them to. However, as has been pointed out, most credit checks are credit scored so these will not take into account any NOC. Experian did say howeverthat where a NOC exists, the law requires a manual credit check to be carried out. Not sure how much this will help as i assume they will still only look at the credit score. So, how is it that CRA are simply completely disinterested in listening to the individual. It can't surely be so cynical that it is down to the fact that the credit providers pay their 'wages'?! It should be quite simple - if the indidivudal is disputing the claim then it must be temporarily removed until agreement has been reached. This is just entirely logical.

I have recently had similar problems with Lowell and finally got the default removed. They have to show that you were in default with Capital One. Your entry suggests that the amounts were in dispute and subject to a complaint with the FO. It is difficult to tell from your comments whether or not they were entitled to issue the charges? What did the FO say?

For those of you who don't know, you can actually add any wording you like to your Notice of Correction, subject of course to certain limitations like defamatory statemnts. Here is a correction I have requested recently in a dispute with that nasty little firm Lowell: "MR XXXXX DOES NOT ACKNOWLEDGE ANY DEBT TO LOWELL FINANCIAL OR ANY COMPANY OR ORGANISATION IT CLAIMS TO REPRESENT. IN PARTICULAR, MR XXXXX DOES NOT ACKNOWLEDGE THAT THE ALLEGED AMOUNT IS IN DEFAULT. MR XXXXX STATES THAT HE INTENDS TO DISPUTE THIS RECORD WITH LOWELL. MR XXXXX FURTHER STATES HOWEVER, WITHOUT ACKNOWLEDGING OR ADMITTING TO THE AMOUNT REGISTERED BY LOWELL, AS BEING MONEY OWED TO LOWELL, OR ANYONE IT CLAIMS TO REPRESENT, AND THAT ONLY LOWELL CAN HAVE THIS RECORD REMOVED; THAT IT IS IN HIS IMMEDIATE INTERESTS TO HAVE ANY ALLEGATION OF A DEFAULT REGISTERED IN HIS NAME REMOVED FROM PUBLIC RECORD, AND SHOWING AS SETTLED. MR XXXXXX STATES THAT THIS ACTION SHOULD NOT PREJUDICE HIS FUTURE RIGHT TO CONTEST THE AMOUNT IN COURT AND/OR THAT HE WAS EVER IN DEFAULT."