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Hi all,

Im new too all this so please bear with me, i had a default applied too my credit file on the 30/04/2007 if it takes 6 years to be void why is it still appearing on my credit file, this coming april will be 7 years how can i go about having it removed

Many thanks michael

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Hello and Welcome michael.

 

I have started a new thread for you, if as you say the default was placed on your file in April 2007 it will stay there until April 2013.

 

Regards,

 

Scott.


 
 

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

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Hi maroodevo52,

Thank you for creating a new thread, an for replying.... Do you know if it will automatically be removed on each agencies files or will i need too request that? And will my credit score increase on the removal of the default..

Thanks once again

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Is this the only default on your file ?

 

The default should drop off on the 6th anniversary you should not have to do anything, the Credit Reference Agency's should remove it automatically, I would think if not the exact date then within a week or two. If not removed by then you can inform the CRA'S of this and demand they remove them.

 

Regarding your credit score I would think it would improve with the default removal but also depends on your credit history with all your other payment arrangements ect,

 

 

 

When you make an application for a loan, credit card, mortgage or other type of credit (such as a new utility contract or mobile-phone account), lenders look at your credit report to work out your credit score.

 

So check your credit report regularly to make sure it’s up to date and accurately reflects your circumstances. Mistakes can hurt your credit rating.

 

 

Lenders don’t expect you to have a perfect credit rating, but they do want to know that you will make repayments on time and that you aren’t already over-stretched.

 

They do not want to see a patchy credit history that shows missed repayments or bad debts.

 

Always attempt to pay your bills and make monthly repayments in full and on time. Missed and late payments stay on your credit report for at least three years and may give lenders the impression that you could be a bad risk. If there’s a good reason for past problems — maybe you were ill or going through a divorce — you can add a brief note of explanation to your report.

 

If you have any unused credit accounts, close them if you’re sure you don’t need them. Lenders can take into account the amount you could borrow, not simply what you currently owe. It’s better to have fewer, well-managed accounts.

 

Register to vote at your current address, Lenders use the Electoral Roll as a precaution against fraud, to check that you live where you say you do. So make sure you are registered to vote at your current address.

 

Watch out for unfamiliar or suspicious entries in your credit report, such as an account you didn’t open, a sudden surge in the amount you owe or new applications you didn’t make — they could mean you’re a victim of identity fraud.

 

Contact the relevant lender at once, explain your position and be prepared to provide proof that you aren’t responsible.

 

Regards,

 

Scott

Edited by maroondevo52

 
 

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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Yes its the only thing wrong with my file full stop, my wife an i have just bought a new house, its only if i want too get a credit card, or maybe a contract phone... I would love to improve my score, but the default is my only concern, will there be anything i have too do?

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Sorry micheal, I was adding to my post whilst you were answering my first question, I'm in the same boat as you in that I have only 1 default that drops off later this year.

I have never had any problems getting a mobile phone contract, I think different companies use different CRA'S so it's sometimes a bit 'hit or miss'.


 
 

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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Do i need too request it too be removed thanks again

 

You shouldn't but if it's not removed swiftly by the drop off date you can chase them up.


 
 

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 man, for the advise, does that mean the debt is over an done with

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If your in Scotland and have not acknowledged the debt in writing or made any payments in a period of 5 years then the debt no longer exists, debt collectors may continue to chase you for payment but after you send them a letter informing them the debt is Statute Barred they then must cease all collection activites :)


 
 

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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Will it say status barred on my file, or is that simething i need toi get updated on my fule myself, because i am in scotland an have never acknowledged the debt, btw truly thanks how do you know all this

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Will it say status barred on my file, or is that simething i need toi get updated on my fule myself, because i am in scotland an have never acknowledged the debt, btw truly thanks how do you know all this

 

Hi,

 

Nothing will show on your file saying the debt is Statute Barred, there's a link here to have a look at, there's a letter at the bottom you can send to anyone who is trying to collect a Statute Barred debt.

Simple contracts such as Loans Credit Cards ect will be statute barred after 5 years, contracs 'under seal' mortgages ect have a 12 year Status.

 

http://www.nationaldebtline.co.uk/scotland/factsheet.php?page=23_prescription_and_limitation_act

 

I take it the debt your talking about is a Loan/credit card or similar.


 
 

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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