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veryweary

Delinquent instead of Default?

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Can anyone tell me if there is a difference between having a delinquent account noted on your CRA as opposed to Default.

 

Had a credit card which I defaulted on normal payments in 2004. Made agreed small repayments until I received a letter from Cabot saying they had bought the account in Feb 2008. I don't remember ever receiving a default notice from the OC or any Notice of Assignment to Cabot. Asked Cabot for CCA copy which they couldn't supply so put account in dispute and stopped token payments in 2008 until they supply it.

 

On checking my credit file with Equifax for the first time in 10 years see that Cabot have added a record with delinquent date of Feb 2009. they've also put it on as a joint account which it isn't. There's no record of original default with OC.

 

. Is this normal and correct or is Cabot playing at silly beggars, as I thought this would be due to drop off my file in 2010 ?

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