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flashguru

Experian credit report confusion

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Hi Guy's,

 

Im new here, but often visit the forums to see if other people have been in a similar situation to myself.

 

Anyway, i have a question and i thank you in advance for any insight you can offer.

 

Basically, ive just ordered by credit report online from experian and found a default on my account with halifax, according to the report it gives the following information:

 

Company name:HALIFAX

Account type:Current Account

Started:30/08/2001

Default Balance:£432

Overdraft Balance:Satisfied

Defaulted On:15/02/2005

File Updated for the Period to:16/03/2008

 

 

I am aware the defaults stay on your credit file for 6 years at which point they are removed, but i am confused as to which date i should count the 6 years from, should it be 6 years from the 'Defaulted On' date above, or 6 years from the 'File Updated for the Period to' date? ideally and hopefully it will be the 'Defaulted On' date, which would mean sometime next year i will have a clear credit report, or is that wishful thinking?

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Hello and Welcome, flashguru.

 

It will be 6 years from the 'defaulted on' date.

 

The lender can only default your account ONCE. That will have a specific date recorded on it, and all details of that account/default will be removed from the CRF 6 years from that initial date regardless of anything else.

 

While the account is still unsettled the lender can update the monthly status code every with with a "D" or "8", but that IS NOT the same as adding a fresh default each month. Many many people get confused on this point and think they are adding new defaults by doing that. They are not.

 

Regards.

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

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Thanks for the fast response. So just to confirm, this default should no longer be on my credit file after the 'Defaulted On' date which was reported as: 15/02/2005

 

:)

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To my knowledge :)


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Thanks for your help, much appreciated :)

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