experian

[royalscot]

Can anyone help please , i have several defaults on my experian credit file and would like to know when they actually disappear , i know it takes six years but who decides when the time is up ? Does the dca`s have any input ? I cant remember when i actually spoke with the dca`s , it may have been about four years ago , the defaults will be six years old in march next year , does that mean im free ?.......Would experian be the people to contact about it ? Would they tell me if my defaults will be statute barred in march ? ....many thanks :-|

[alanalana]

Can anyone help please , i have several defaults on my experian credit file and would like to know when they actually disappear , i know it takes six years but who decides when the time is up ? Does the dca`s have any input ? I cant remember when i actually spoke with the dca`s , it may have been about four years ago , the defaults will be six years old in march next year , does that mean im free ?.......Would experian be the people to contact about it ? Would they tell me if my defaults will be statute barred in march ? ....many thanks :-|

 

 

You need to be in a different forum re you thread subject so I will move you across to debt collection forum where you will get better advice.

[alanalana]

You should get some quality advice in this forum

 

Good luck

 

aa

[Pinky69]

The will just drop off your files once the 6 years is up without any reference to you unless you have signed up with the CRAs to be informed of any activity on your reports.

[cerberusalert]

The default expires and drops of your file automatically six years after it is first registered.

[royalscot]

I take it after that my credit rating will be back to normal , ie mortgages etc

[cerberusalert]

Once they all drop off, yes.

[slyspy]

is it 6 years from the default 'registered' date

 

or 6 years from the last 'update' particularly where a payment has been registered after the default date ?

 

I've seen conflicting information on this over the years.

[cerberusalert]

From when it's registered. But it should be registered within a 'reasonable' time from when the default occured & wasn't remedied.

[Pinky69]

From the default date.

[royalscot]

From the default date.

just printed off my account with experian and it tells me in march next year i`ll be qouting john inman " IM FREE "......thanks guys

[royalscot]

It has come to my notice that satute barred in Scotland is only 5 years according to the prescription and limitation ( scotland ) act 1973 . Can anyone advise me on this or can anyone confirm this ...thanks

[lickthewallfatboy]

confirmed

[royalscot]

Thanks for that , can you tell me then why experian still show defaults on my credit file when the last of them was five years old in march this year , thanks

[cerberusalert]

Contact them and complain. Remind them that you are in Scotland and the limitation is 5 years.

[royalscot]

Contact them and complain. Remind them that you are in Scotland and the limitation is 5 years.

Thank you cerb

[royalscot]

Contact them and complain. Remind them that you are in Scotland and the limitation is 5 years.

Phoned experian today , i told the girl about the Prescription and limitations ( scotland ) act 1973 and that i lived in scotland , as far as she and her managers concerned Experian keep defaults on your credit report for six years and thats that , she said i could write in about the subject , is there any point ? feeling deflated , ah well not long to wait , would welcome any views , thanks

[lickthewallfatboy]

CRA's cannot tell you what law they are relying on to allow them to do this-it is "industry practice" plus the fact that no-one has challenged them head on in court

 

yet