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Delinquent/Default

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Hello!

 

I have checked my Equifax report which states that two debts were delinquent on x date and settled on x date. Are these defaults? At the top of the report it states 1 default (which when you scroll down is from 3g) so it appears correct.

 

Would a mortgage lender see the delinquent records and count them as defaults?.....

 

'Elp!

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anyone??

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I believe a delinquent account is an account that is two or more months late/behind for three consecutive months.

 

This is not the same as a default, as a default only occurs when the account has been terminated by the lender due to non-payment and they then attempt to pursue the full amount.

 

Your 3G account, if defaulted, would not be one of the delinquent ones I don't think.

 

Lenders won't count delinquent accounts as defaults, but obviously delinquent accounts are not good either as it means you're behind with payments for at least 3 months on those accounts.

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I believe a delinquent account is an account that is two or more months late/behind for three consecutive months.

 

Lenders won't count delinquent accounts as defaults, but obviously delinquent accounts are not good either as it means you're behind with payments for at least 3 months on those accounts.

 

I have 2 delinquent accounts that were soley due to bank charges. Could I get these removed from my credit history?


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