Worth Disputing a default that is almost SB?

[Madandy1010]

I have a default registered against me from Sept 2002, from which i havent ever really had any contact from a DCA

 

The debt is around £1500 and in all honesty hasnt affected me that much as i dont seem to have any problems getting credit at a decent rate

 

Is it worth trying to get this removed from my credit file and possibly bringing myself to the attention of a DCA?

 

I was thinking of disputing it online with Equifax - if i was to dispute this im assuming that it wouldnt affect the 6 year SB timeframe?

[Boro]

I wouldnt tbh, dont stir things up for yourself as they will only contact the creditor to ask them to remove it as they cannot without permission

[dannyboy660]

I have a default registered against me from Sept 2002, from which i havent ever really had any contact from a DCA

 

The debt is around £1500 and in all honesty hasnt affected me that much as i dont seem to have any problems getting credit at a decent rate

 

Is it worth trying to get this removed from my credit file and possibly bringing myself to the attention of a DCA?

 

I was thinking of disputing it online with Equifax - if i was to dispute this im assuming that it wouldnt affect the 6 year SB timeframe?

 

Are you sure you have a default on your credit file???

 

If you checked your file recently to find out, you may have inadvertently rung the dinner bell!! :o

 

 

Personally I'd sit tight and hope it slips by unnoticed.

[Madandy1010]

Yep, its definitely there

 

Odd thing is no one seems especially fussed about it, ive been registered on the electoral roll and lived at the same address for over a year and havent heard anything at this or my previous address, ive made around 5 credit applications over the last 2 years as well and havent had any refused

 

In all fairness i could pay the outstanding amount now but im a little unsure if this would mean the default stays on my file for 6 years after i satisfy it or would disappear as normal in a few months?