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Hi there, everyone. This is my first post on a great website.

 

I have been reading a few threads on defaults, as I have a couple on my credit report, and am hopeful if people can clear things up for me.

 

Am I right in thinking that a default notice needs to be served when an account goes into default? If so, I did not receive this for any of the defaults. Should I therefore request copies of these?

 

If they can't provide these, can I request that the default be removed? What's to stop them just making up notices on the spot?

 

Also, the debts are still owed. Can I 'broker' a deal by saying I'll pay up if the defaults are removed?

 

Thanks in advance for your help, guys.

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I very much doubt that copies of the DNs will be held

other than as a note on records showing that they have

been sent which is all the creditor would need to state.

You must follow a process through before any attempt

can be made to remove defaults, contact the company

that placed the entries aasking for information about the

entries a CRA cannot amend or remove an entry without

their authority.

Or you can dispute the entry with the CRA and they

will contact the creditor for you.

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