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Equifax and duplicated defaults


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Hi

I just got a copy of my Equifax credit report and it shows a few defaults (i will be adding explanation notes to them shortly) however these are duplicated in the report so it looks like i have 8 defaults in stead of 4! All the dates and amounts etc are the same. I dont think this is right and it's quite misleading. Can CRAs duplicate defaults on credit reports or can i insist on them being de-duplicated?

 

Also 1 more question; the default date and the end date are the same is this correct? Do they change the default date from when the default occured to the date the account was settled? :-|

 

Any help is much appreciated

 

Leah

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Do they change the default date from when the default occured to the date the account was settled? :-|

 

As far as I know, the default date should be the date when it was defaulted. If they then move that date to something after that date then really they are extending the 6 year rule they have which isnt on as the default will remain for 6 years from the new date.

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Lets Put This To Bed

 

When A Creditor Terminates An Account, The Account Will Be Defaulted.

A ****** Dca Will Then Buy The Account And Re-register The Account And Default In There Name

 

An Account Can Only Be Defaulted Once.

 

It Seems You Need To Be Contacting The Original Creditor To Have There Default Removed

 

Say

 

Halifax Default You And Put Default On Credit File

Account Gets Sold Say To Llowell, Lowell Then Register The Halifax Account In There Name

 

Original Halifax Account Deleated

 

A Lot Of Dca Try To Register The Default From When They Buy The Account

 

Allways Get A Copy Of The Default Notice, Thats The Date To Be Registered With The Cra

 

Nine Times Out Of Ten There Will Be No Default Notice ,

 

Then The Fun Begins

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  • 2 weeks later...

If you have duplicate accounts with Equifax, Equifax can raised disputes for you to have one of these removed - they can see by the default dates and start dates that there's a large possibility that they are the same.

 

Also quite often they will end in the same last 4 account numbers like what happended to me. I managed to get both of them removed. Paid off RBS (the original defaulted loan) and they never put it back on my file.

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