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My husband and I have a couple of credit cards in default from 2008/09.


Over time we have made arrangements to pay towards the outstanding balances with agreed monthly payments.


Obviously our credit rating is rubbish due to this but we recently downlaoded our credit reports

and none of the companies are reporting any contributions we have made to the accounts since they went into default

- which makes it appear like we are ignoring the debt.


Should we write to the creditors concerned and ask them to up date our credit files with the payments we have made since the default and our on going monthly payments?


Surely if they did this it would present a better picture to anyone looking at our credit file.


Any advise would be appreciated



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Are you paying the original creditors or DCAs?


If you want them to show an ''arrangement to pay'' you may well jeopadise the removal of the default entries as the AP can be continuosly reported, defaults are removd after 6 years paid or not.


It will make little difference if any to the impact the entries have on your credit profile, potential lenders will no be more likely to see an AP as a good thing.

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yea ding ding alarm bells...



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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