Data processing and reporting .

[brokebutnotbeatn]

the default is an accurate reporting regarding the way you have run your credit. As you will have read you should have been sent a NOA by either the lender or the DCA; but many 'get lost in the post'. The DCA cannot change the data of the default and it should drop off your file, paid or not, after 6 years - so in your case this year or next depending on the default date.

[BRIGADIER2JCS]

They are required to show the up to date picture

of the account so the DCA or debt purchaser must

state that on the entry the default date MUST remain

as the original tou cannot be defaulted twice for a debt.

[Noshovel]

Well a shortened version of that letter was posted wed , not sure if its been signed for but will wait for a response and post here , Be nice to get a result on it .

 

Good luck, just subscribing to see how you get on.

[pollybach]

i was dec br in 2007 what should my credit ref file say about me in 2013 ...................

[BRIGADIER2JCS]

The entry will be removed, other data will remain the same.

[theshuffler]

Ok just an update . The company in question have not replied to the letter , Im imagining they wont either unless the guy is prepared to push it a bit further which he is reluctant to do.